If you find yourself part of a motor vehicle accident, the first thing on your mind shouldn’t be the status of your vehicle. Instead, you need to focus most of your time and attention on your personal health.
Once you receive treatment and know how to deal with your injuries over the long term, you can then learn more about the process of making a car insurance claim. While this sounds simple enough, there’s something you need to know: Your car insurance company is not always on your side.
It’s easy to believe that your agent will work on your behalf, but they aren’t in the business of handing out money. Instead, they’re in the business of making you go away for as small of a payment as possible.
Here are some of the many things you should do when it comes to making a car insurance claim:
- Call your agent the second you have the availability and ability to do so
- Review your policy so that you understand what you have been paying for
- Keep notes of every conversation you have with your insurer, including the name of the person, the time and date, and what was said
- Take pictures of the accident scene, your vehicle and any injuries
- Keep all receipts and expenses associated with your accident
Along with the above, you should do one more thing: Understand that you have a contract with your car insurance company. If you realize this, you won’t be prone to giving in and taking the first offer you receive.
It can be a challenge to deal with the aftermath of a car accident, but there’s a possibility you could find yourself in this position at some point in the future.
Even though you have a lot on your mind, you should always clear space for making your insurance claim (as long as your health allows you to do so). Once you have the wheels in motion, you’ll find it much easier to follow through and hopefully receive the money you deserve.