Car Insurance Claims Do’s and Don’ts

You know what sucks? Getting into a car accident. You know what makes this situation worse? Not knowing what to do when you file a car insurance claim.

Despite our best efforts, even the safest drivers can be involved in a car accident. When this happens, knowing what to expect, what to do, and more importantly, what not to do will put your mind at ease. Check out these car insurance claim advice:

How to Claim Car Accident Insurance

Filing an insurance claim isn’t as stressful as you think. Below, we’ve listed the steps to take when filing your claim.

1. Contact the Police
   Calling the authorities ensures you have an official and detailed scene report. You should also take photos and videos of damages, signage, and all injuries. On-scene evidence helps insurance companies determine who caused the crash and the severity of property damages.
2. Review Your Policy, Call Your Lawyer
   If you don’t know the specifics of what your insurance covers, review all policy details after a car accident. Even if the accident seems minor, make sure you know what you’re entitled to. This is also the time to contact a skilled personal injury attorney for assistance. A law team specializing in car accident injuries will provide the legal support you need.
3. Call Your Insurance Company
   The sooner you call, the sooner you can file your claim and rectify the situation. If you don’t have the time, energy, or strength to contact your insurance company, a qualified attorney can do so on your behalf. They’ll review your policy details and ensure you receive every benefit listed on your coverage.
4. Speak with Your Claims Specialist
   Not long after filing your initial claim, a specialist will contact you (or your attorney) to review the details of your claim. Depending on the situation, you can request additional compensation for injuries or other financial hardship in addition to the car repairs.
5. Claim Your Payment
   The adjuster will provide an estimate of the car repair cost and tell you if there’s a deductible to pay. Note what repairs the insurance company approves. If you believe the listed repairs are inaccurate, contact your legal team for assistance.

Things Not to Say to Your Insurer After an Accident

When filing an insurance claim, saying the wrong thing can be a costly mistake. Here’s a breakdown of car insurance claim advice and what you should avoid saying to an insurer:

1. I’m Fine
   If asked about injuries, avoid saying you “don’t have any” or that you’re “okay”. In many cases, injuries may not be immediate due to an increased amount of adrenaline.
2. It Was My Fault
   This goes without saying, but we still need to say it: never admit fault. Don’t apologize to law enforcement, your insurer, or the opposing party.
3. Unnecessary Details
   Everything you say can and will be used against you. This is why you shouldn’t provide information that wasn’t asked.
4. I Don’t Have an Attorney
   Without legal representation, the insurance adjuster may take advantage of your situation. If you don’t have an attorney, don’t mention it.
5. I Accept
   An insurer may offer a quick settlement, but that may not be the best option for you. A professional car accident attorney will help negotiate a fair and accurate settlement.

Things Not to Say to Your Insurer After an Accident

Dos and Don’ts of a Car Insurance Claim

What to Do When Making an Insurance Claim

• Consult an attorney for legal advice.
• Review your insurance policies to find out what is covered and what is excluded.
• Notify your insurance company right away.
• Take pictures of your vehicle, the accident site, and all injuries.
• Take notes when you speak to the insurance company representative.
  Names
  Job titles and phone numbers
  What was discussed
  What the representative promised to do
• Tell your insurance company the truth. If you fail to be forthcoming with your insurance company, this could invalidate or reduce your coverage.
• Keep track of receipts for lodging, meals, and purchases connected to your claim until the case has been settled with your insurance company.

What Not to Do When Making an Insurance Claim

• Don’t give your insurer a written or recorded statement. Don’t consent to a recorded conversation.
• Don’t underestimate the power of a skilled auto insurance claims attorney.
• Don’t forget your insurance provider is legally obligated to provide the coverage promised to you.
• Don’t accept an initial estimate of your losses. Leave room to negotiate.
• Don’t sign a waiver until you speak with an attorney.
• Don’t accept any checks that say “final payment.”

Hire an Experienced Car Accident Attorney

Hiring professional representation is the best way to ensure your pain and suffering are taken seriously. Let the Shapiro Law Team be your champion. We’ll prioritize your needs and recover the settlement you need to move beyond an unfortunate car accident.

Call the Shapiro Law Team office at (480) 637-5692, or request a free consultation at our Phoenix or Scottsdale office today. Our skilled attorneys will ensure you avoid any and all personal injury claim mistakes.