How to Deal With Your Insurance Company After a Car Accident

By  //  April 10, 2020

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Getting involved in a car accident is something we all dread, but the cold reality is that there are times where it does happen.

Rather than keeping your fingers crossed and hoping against hope that this doesn’t happen to you, it’s best that you have the necessary information on hand in case you do get involved in one.

What usually happens after a car accident is that you will have to deal with your insurance company. If you have no idea where to begin, then read on so that you can have the knowledge and will always be prepared.

Have Your Attorney On-Call

Something you need to do regardless of whether you ever get involved in a car accident or not is to have an attorney’s contact that specializes in car accident cases.

Have a search online and you can learn more here as you’re bound to find the details of the services that they offer.

You’ll find that they can often give you great insight into how to deal with your insurance company should an accident occur.

It’s always advisable to have their number on call so that you can contact them immediately after the accident, and they will be able to guide you step by step on what exactly you need to do. 

Research About How Much Repairs Would Cost

What happens after the accident takes place, if there have been damages incurred on the car itself, is you will have to file a claim with your insurance company, and they will move forward in working out an offer to pay for the cost.

What’s advisable is that right after the accident, be sure to do your own research, and find out approximately what the damage will cost through your own source.

By doing so, you’ll find yourself in a better position to understand whether the offer they make is reasonable and makes sense or not.

Know That There is Always Room for Negotiation

An important factor to keep in mind is that you do have the right to negotiate with the insurance company, should you find that the offers made to cover costs are not reasonable or don’t make sense.

To do this, you really need to understand what the insurance itself covers from the beginning, and it’s best to discuss this with your lawyer to really understand the fine print and details involved. 

Know What to Do in Case of Total Loss

There are instances where the accident is so severe that there may be some serious damage done to your vehicle. This is a case where things may get tricky with your insurance company and the coverage.

This will happen in the event that the total cost of the repairs turn out to actually be more than what the car itself is worth, and in this case, it will be written off as a Total Loss.

In the event that this happens, you don’t need to just take it lying down, and instead, be sure that you get all the facts straight before you accept this ultimatum.

This too, will need your lawyer’s involvement as well as a bit of research so that you have all the details at your disposal, should you decide to challenge their claim. 

Following through on the guidelines provided here is imperative for you in order to ensure that you’re getting the right support from your insurance company.

We know all too well that in the event that such an accident happens, your emotions are high and you’re thinking about a million things in one go, so it’s important to have a sense of order in terms of what you’re supposed to do. 

If Unsure, Get Advice

The best thing you can do is call your lawyer, and make sure that you have a reliable one that specializes in car accidents and dealing with insurance companies.

By doing this, you’re already halfway through the process because you can guarantee that you have someone on board that understands their jargon, and can help you to understand what you are entitled to and what you should let go or challenge.

It’s important that you also have your own sources when it comes to how bad the damage is, and that you get outside advice in terms of how much everything might cost.

This will give you more confidence when it comes to drawing comparisons and making wise decisions on how to deal with your insurance company.

The important thing is to try your best to stay as calm as possible, and always stay knowledgable about the insurance options that you signed up for. 

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