It goes without saying that you never want to be in a position to make a car insurance claim. If you are, this means that you’ve been involved in an accident of some sort.
It sounds simple enough to make a claim. After all, all you need to do is contact your agent and let them know what happened. While this is true to a certain degree, there’s more to it than that.
Most importantly, you need to know that there are things you shouldn’t do when making a claim. Consider the following:
— Don’t give a written or recorded statement until you understand your coverage and rights.
— Don’t sign a waiver or any kind of release unless you know exactly what you are doing.
— Don’t accept a check for “final payment” until you are sure that you want to put this in the past.
— Don’t overlook the fact that you can receive legal assistance along the way.
Along with the above, don’t let your insurance company off the hook. You have a contract, as you pay a monthly premium for coverage. For this reason, your insurer is obligated by law to provide the coverage that you pay for.
If you’ve been involved in a car accident, there will come a time in the near future when you contact your insurance agent.
Although you hope your agent will provide assistance, you must always be looking out for what’s in your best interest. This will help you receive the compensation you deserve, based on the details of your policy.
Source: FindLaw, “Car Insurance Claims: Dos and Don’ts,” accessed Jan. 04, 2017