After an auto accident, things can be a bit confusing. It is important when filing an accident claim that you fully comprehend the process.
Some insurers may not be sympathetic to your condition. Therefore, you should be aware of insurers' tactics and how best to handle them.
Making sure you abide by the law after an accident is the first line of defense. Though the laws may vary a bit in different states, there are a few common steps that all drivers should take after an accident, such as:
- Make sure that all parties involved are ok and move to a safe area.
- Exchange information with the other driver.
- Collect any witness statements.
Depending upon the extent of the damages, some counties do not require that parties contact law enforcement. However, it is still very important that you file an accident report regardless.
Along with accident protocol, it is important for you to abide by the claim process for the insurer properly. Some insurers may have specific stipulations, and not following them may lead to a delay in the processing of a claim, or possibly denial. When filing the claim, you should also make sure that you are only providing the information the insurer requests. It is best to keep the conversation truthful and concise.
Other party's insurer
Usually, drivers are not required to speak with the other party's insurer, though it is not uncommon for them to try to make this happen. Should an insurer contact you, you may direct them to speak with the insurance provider. Another option would be to hire an attorney who may mediate between both insurers and operate in your best interest.
These are a few things for you to be aware of should you get in an accident. For more information, it may be beneficial to review the full law and consult with an attorney.