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Do these things when making a car insurance claim

If you are involved in a motor vehicle accident, the first thing you may think about is contacting your car insurance company.

Here's something you need to know: You are under no obligation to provide your car insurance company with a recorded statement. While they may request this, you have the right to say no. Even if they make you feel guilty about this, there is no reason to agree.

While it's best to keep your conversation to a minimum and avoid a recorded statement, here are some things you can do in regards to making a car insurance claim:

-- Once possible, let your car insurance company know that you were part of an accident.

-- Review your policy before calling your insurance company, as to ensure that you know your rights.

-- Take notes of any conversation you have with your agent or any other personnel. This can include what was said, the person's name, the person's title, and the time and date of the conversation.

-- Take pictures of the accident scene, your vehicle, and your injuries.

-- Keep all records of expenses associated with your accident.

Some people make the mistake of sharing too much information with their car insurance company, especially if they have a good relationship with their agent. You don't want to go down this path.

Yes, you have to file a claim at some point, but that doesn't mean you should share too much information and let your agent talk you into something that makes you uncomfortable.

Since it's better to be safe than sorry, you should keep quiet until you first consult with a personal injury attorney. This person can review your accident and give you a better idea of how to proceed. On top of this, he or she will ensure that your agent or the insurance company's legal team doesn't push you around.

It can be scary to be part of a car accident. This fear may lead you to share too much information with your insurance company. When you know the steps to take after a crash, including those associated with filing a claim, it's much easier to be confident in the decisions you are making and what the future will bring.

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