All drivers are required by auto insurance legislation to notify their insurance provider as soon as possible after getting in a car accident. A request for financial compensation for the physical harm done to the vehicle involved in the automobile accident is known as a car insurance claim. Depending on the state, insurance provider, insurance plans, and the seriousness of the event, different rules and laws apply to the filing of insurance claims.
To make the procedure as stress-free as possible, we’ll outline the main rules for how to submit a car insurance claim in this article. If for whatever reason your car accident claim is denied, or you’re struggling with the claims process, we recommend seeking out the assistance of an injury attorney or car accident lawyer. Burkett Law Firm is here to help if you need an car accident attorney to fight for your car accident claim.
How to Gather Information and File a Car Accident Claim
Gather the Information Available
You need to have started gathering information and evidence concerning the accident as soon as it happened. Ideally, you’ll already have all of this information on hand or be in the process of acquiring it by the time you’re prepared to submit a claim.
Get in Touch With Your Insurance Company
You must typically report the accident to your auto insurance provider as soon as is reasonably possible according to your policy. Depending on the specifics of your collision, you should be good as long as you notify your auto insurance provider about it within a few days.
The obligation for timely reporting is crucial because your auto insurance provider wants to start looking into what happened as soon as possible. What if the other driver is from a different nation and intends to travel back there soon? Or perhaps your auto insurance provider wants to send an adjuster to the accident scene to assess the damage? There might be serious repercussions for the inquiry process if you wait too long to call the insurance provider.
You may get in touch with your auto insurance company directly, either by phone or online, to find out how to submit a claim. Some businesses now provide applications that let you report an accident and file a claim from your smartphone.
You might also get in touch with your insurance representative. They will gather the basic details of the collision and make contact with your auto insurance provider on your behalf. After that, your auto insurance provider will contact you to request further information. Third-party claims often follow the same procedure. The majority of auto insurance providers will cooperate with their own policyholders to submit a claim to a different insurer.
Be Transparent and Compliant With Your Provider
An insurance adjuster or other representative will look into and manage your claim when you submit your claim and give details regarding the accident. Your adjuster could contact you at this time to ask for more details.
Let’s imagine, for example, that you informed your auto insurance provider that you had a green light and the vehicle that struck you had a red light. After a few days of looking into your claim, your adjuster could phone you and say they spoke with the other driver’s insurance company, which claims they had the green light while you had the red. Your adjuster could ask you for any further supporting documentation for your claim.
They could inquire as to whether you are aware of any security or traffic cameras that may have captured the collision in the area. The adjuster may also inquire whether you are aware of any witnesses who can support your account. You must make a reasonable attempt to help your adjuster if they request this information from you. Not only must you comply with your auto insurance coverage, but failing to do so may result in your claim being partially or completely rejected.
What Should I Do If My Claim is Denied?
Making a claim on your auto insurance is not always easy. It’s critical to be aware of your alternatives because insurance companies may reject claims for a variety of reasons. If you think your claim was refused for arbitrary reasons, you can analyze your policy, provide evidence to back it up, and take legal action to correct the issue.
It is often wise to invest in the services of an auto accident attorney when pursuing a claim involving a significant injury. A car wreck attorney can assist you in trying to collect any damages related to the auto accident and in learning the reason your claim was rejected. If your claim was rejected because of arbitrary criteria, you can also take your insurance provider to court for bad faith actions and contract violations. There is a deadline for bringing litigation, which varies from state to state if you decide to sue.
If You’ve Been Injured in a Car Crash, Trust the Guidance of an Experienced Car Accident Attorney
While most drivers in Texas make an effort to drive safely and avoid hurting other people, a few rotten apples may quickly ruin the bunch. Everyone has the potential to get in an accident, whether they are traveling on the motorway or on a side street. While some collisions may appear minor, major ones frequently happen as a consequence of a driver’s negligence or reckless behavior, such as texting while driving, driving too fast, or being intoxicated in some other way.
If you or a loved one was injured in a car accident in Corpus Christi, you probably worry about how to pay for the medical bills, property damage, and lost wages. However, if the motorist who struck you did so carelessly, you might be able to get money from their insurance provider. You will want the assistance of an educated and competent group of Texas car accident attorneys to do this. Whether you were hit while driving, biking, or walking, the accident injury lawyers at Burkett Law Firm are ready to analyze your case and go through your options during a free consultation. Simply pick up the phone and dial 361-223-6862 to contact our Corpus Christi office.