How to Deal with an Insurance Company After an Accident

After an automobile accident you need to make sure that you do everything possible to deal with the accident’s aftermath quickly and efficiently. Notify Your Insurance Company

First, you need to notify your insurance company of the accident. Usually you can call your agent to do this, and he or she will help guide you through the process of filing a claim. Your insurance company is accountable for the correct, appropriate, and reasonable investigation of your claim. If you weren’t at fault in the accident, you may call the other driver’s insurance company. If your claim is denied, the insurance company must provide you with a reasonable explanation of the denial.

Note: Florida is a comparative negligence state, meaning if both you and the other driver were at fault the insurance companies determine the amount of fault and split the claim based on the amount of fault accorded each driver.

Rent a Car

Rent the best car your coverage permits if you have such coverage. Make sure you know if you are responsible for collision damage to the rental car.

Check with your State’s Department of Insurance for Insured Drivers’ Rights

Find the website of your state’s department of insurance to find out about the fair resolution of insurance claims and what your rights are in this situation. Get a Copy of Your Complete Claim File

It is extremely important that you get a complete copy of your insurance claim file, including Post-it-notes, etc. since people can and do make mistakes. You don’t want to be surcharged for anything for which you aren’t responsible. If you don’t get a copy of your claim file, by the time you notice a surcharge weeks or months after your accident, the insurance company often won’t have a copy of your claim file. If your insurer doesn’t want to give you a copy of your claim file, you may file a complaint with your state’s department of insurance and you may hire an attorney. Your attorney may find it necessary subpoena the insurance company to give you a copy of the claim file.

Determine What Your Car was Worth Prior to Your Accident

You don’t need to take the insurance company’s word for your car’s actual cash value (ACV) before the accident. Take part in the valuation process and use consumer websites such as Edmunds.com to figure out what your car was worth. Especially if you have custom detailing, trim, or paint, your car may have been worth more than the blue book value. If your car was totaled (a total loss), the higher the ACV, the higher the payment you receive will be. Insurers are required to be fair by law, so don’t be afraid to let them know if their estimate is too low.

Agree Upon a Fair Value of any Damages

Whether your insurance company sends an adjuster or tells you to get an estimate, you should be there when the person inspects the damage so you can show them any damages they may not have noticed. That way you can agree on a fair value of the damages.

Auto Repair

You automobile might need repairing, so don’t give up your right to choose where to send your car as well. Be wary of going to a direct repair shop (DRP) which has an agreement with your insurance company to give the insurer a discount on repairs in exchange for the insurer’s referral of business. Such a shop may not always act in your best interest because of its relationship with your insurer. Compare you insurer’s recommendations with those from sources you trust.

Medical Expenses

You need to seek appropriate treatment for any injuries you sustained in your accident. Your insurance company can’t tell you where to seek treatment unless you signed up for a preferred provider discount with your insurer.

Personal Injury Protection (PIP) Claims

In Florida, you are required to carry PIP coverage to help injury accident victims with lost wages while they unable to work and to cover any necessary medical treatment. Your insurer should provide you with a notice of your rights when you file such a claim, such as your PIP benefits, exclusions, limitations, and your payment deadline. Within 30 days of receiving appropriate written notification of the PIP loss amount, your insurer is required to pay you or the medical service provider.

Keep in Mind Three Critical Tips

1) Always give only the facts regarding your accident to your insurance company or other insurers.

2) Identify exactly which providers you are using for your automobile repairs and medical treatment

3) Get as many documents as possible to steer clear of surcharges or troubles obtaining auto insurance coverage in the future.

Please click here for more information regarding personal injury law in the Orlando, Florida area.

———————————————————————————————————————

NEED A Lawyer? Check out our Lawyer Directory!

Advertisements

13 Responses

  1. While waiting for help, the homeowner may call their insurance provider to inform them of the problem and inquire if it’s part of the coverage. A study in the British Medical Journal found a significant connection between a person”. Clean your gloves with lukewarm water and squeeze out the excess water.

  2. If you are not ready to fight with yourself, to say “NO” to things you liked to do or which were just a habit to you then
    nothing on Earth will help you to get rid of those excess pounds.
    This gadget is one of the best buys around if you are looking for the cheapest Internet tablets.
    This tablet is more attractive and charming for internet users and enjoy everywhere
    with your family and friends.

  3. For the year 2011, here are five of the best Android tablets
    ever released in the techie world:. There are many new applications available for you to download within the market.
    Some manufacturers call their product a Cover while others use the name Case.

  4. POINT BLANK THEIR HAS TO BE SOME KIND OF DISCLIPINE IN ORDER TO LIVE A HEALTHY LIFESTYLE AND MAINTAIN A GOOD APPEARANCE.
    As you progress to the next higher level, the game becomes tougher.
    Some manufacturers call their product a Cover while others use the name Case.

  5. […] How to Deal with an Insurance Company After an Accident […]

  6. […] How to Deal with an Insurance Company After an Accident […]

  7. […] How to Deal with an Insurance Company After an Accident […]

  8. […] How to Deal with an Insurance Company After an Accident […]

  9. […] How to Deal with an Insurance Company After an Accident […]

  10. […] How to Deal with an Insurance Company After an Accident […]

  11. […] How to Deal with an Insurance Company After an Accident […]

  12. An outstanding share! I’ve just forwarded this onto a colleague who was doing a little research on this. And he actually bought me lunch because I found it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending some time to discuss this subject here on your website.

  13. Attractive section of content. I just stmbled upon your web
    site and in accession capital to assert that I geet in fact enjoyed account youhr blog posts.
    Any way I will be subscribing to your aufment and even I achievement you access consistently rapidly.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

%d bloggers like this: