After a car accident, you may be severely injured. You shouldn't have to pay for these damages if you didn't cause the accident, and you won't have to when you submit a claim to your insurance company. To ensure this claims process goes smoothly, consider this helpful advice.
Reach Out Immediately
The last thing you need to do after a severe auto accident is waiting to contact your insurance company. Doing so could cause you to miss important deadlines and also make it difficult to recount what exactly happened before, during, and after the accident. Having foggy details could spell trouble when talking with an insurance adjuster.
Instead, you need to reach out to your insurance company immediately. This way, the accident will be fresh in your memory. You can give thorough details to the adjuster that are necessary for moving your insurance claim along.
Get Medical Treatment
Even if your injuries seem minor at the time, you still need to get medical assistance from a doctor. They'll treat your medical injuries that resulted from the auto collision and document them thoroughly. Having this documentation is paramount because you'll need to show it to your insurance company -- proving the accident is real and showing just how severe it was.
Make sure you let your doctor know that you want this documentation sent to your insurance provider. You should also ensure this documentation includes the type of treatment you received, medical conditions that were identified, and your prognosis.
Don't Be Eager to Settle
When talking to an insurance adjuster, they probably will convince you to settle quickly and accept their first settlement offer. Although this may sound appealing so that you can move on with your life, you should avoid taking this first offer. Chances are, it's not as good as it could be because the insurance company is trying to save money.
So that you're not taken advantage of, talk to a personal injury attorney to see what a fair settlement amount is. Then, if the first offer is way below this amount, you can continue negotiating until a fair settlement is reached.
Auto accidents are extremely stressful to go though, and you shouldn't have to add on to this stress with a complex insurance claim. You can avoid further headaches with your insurance claim by staying proactive and making the necessary preparations. Speak to a professional like David Helfand PA for more information.