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Car Accident Insurance Claim Info That You Need To Understand
Car accident insurance claim can provide the security of backing all the possible liabilities inflicted by your car in the event of an accident. This also includes damages inflicted by other vehicles to your car.
While many car insurance companies offer different coverage, there are still some basic things you need to be mindful of. This is especially applicable when the amount that needs to be covered needs negotiation.
Here's the Car accident insurance claim info you need to know:
1st Phase: The Accident
If none of the people engaged in the accident are injured, then you should call your insurance company first before anyone else to inform them of your situation.
It's standard protocol for these companies to send someone to assess the damage of the mishap and your possible liability. This tactful investigation will be very vivid, which will include interviews from eyewitnesses, policy assessment that your insurance covers, gathering police reports, etc.
Should you require medical assistance though, or in case you want your insurance company to cover your medical bill while investigation is ongoing, the firm will often send an 'Authorization Medical Form' to cover the instant release of your medical records.
2nd Phase: The Findings
Two things could happen after the company finishes its investigation.
One, they will conclude your accident as a simple car incident, in this case, the company will just estimate the amount needed for your car's repair and immediately forward you a check.
Or two, the damage is so intensive they send an adjuster to discuss the amount needed to cover the liability. The latter can be quite tricky, especially if you don't prepare yourself from their very creative offers.
3rd Phase: Negotiation
Creative deals can sound generous and justified oftentimes. However, it's also a tactic meant to deceive clients by luring them to unjustified deals.
Often, what might sound reasonable can actually mean unfair. You can think of this part as some sort of a business deal that your insurance company needs to win. Adjusters need to save money for the company anyway. So how do you deal with this situation properly?
4th Phase: Finding a Lawyer
Yes. The best way for you to handle this negotiation is by getting yourself a lawyer.
Discuss with your lawyer the settlement issue you're going to get into. Include in your conversation the amount you had in mind. This amount should be reasonably supported by evidence through facts and documents.
5th Phase: The Offer
Here's the picture with their deal. While it is an adjuster's job to offer low rates and save money for the firm, it is also known that insurance companies want to settle a deal to close a case.
The offer could be given in one go, it could be in part, or possibly none. But because insurance firms prefer to close a Car accident insurance claim in the quickest time possible, they'll always allow room for negotiation.
6th Phase: Letter of Demand
This phase is very simple. If you don't like the offer specified to you by an adjuster, you can always go direct and just drop the provider a letter containing your demands. Remember, it is very important that the amount you provide is reasonable.
7th Phase: Sealing a Deal
The most important thing to remember when you're negotiating is to be realistic. If you find the amount is already fair enough then don't wait too long. But if you think the offer is unfairly justified then better ask for further help from your lawyer.
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