If you’re injured in a car accident, the first thing you should think about is your health and well-being. This typically means calling 911, administering first aid and receiving treatment at a local hospital.
Once you’re able to do so, it’s time to file a claim with your insurance company. While your agent is available to assist, don’t assume that this person is on your side.
Here are three car insurance claim mistakes you need to avoid:
- Don’t provide a written or recorded statement: You don’t have to agree if your insurance company asks you to record a telephone conversation. Just the same, you don’t have to provide a written statement until you’re comfortable doing so.
- Don’t accept the first offer: Your insurance company may give you a lowball offer to start, hoping that you accept it, and they can close your claim. Taking the first offer can result in losing out on money that’s owed to you.
- Don’t forget to review your policy: Take time to review the details of your policy before you file a claim. This will give you a clear idea of the coverage you’re carrying, as well as what you should receive in return. Remember, your insurance policy is a contract. Your insurer is required to live up to the terms and conditions of the policy.
Don’t make the mistake of rushing through the car insurance claim process because you want to put this challenging time in the past. Instead, take steps to protect your legal rights and receive all the compensation you deserve.