A motor vehicle accident can change your life in an instant. Not only is your health and well-being at risk, but the same also holds true of your finances.
Making a car insurance claim is easier said than done, as you must keep a close eye on everything your provider and agent are doing. It's easy to assume your agent is on your side, but they're more likely to make decisions in their best interest.
Here are five things you should avoid when making a car insurance claim after an accident:
- Don't provide a written or recorded statement: Before doing this, review your policy and consult with a personal injury attorney. You don't want to say anything that can harm your ability to receive compensation.
- Don't accept the first offer: Your insurance company would love for you to accept their low-ball offer. This allows them to put your claim in the past without paying out as much as you deserve.
- Don't accept a check for final payment: Once you do this, it's extremely difficult to go back and fight for more money. If a payment is marked as final, assume that it's the last bit of money you'll receive in regard to your claim.
- Don't ignore the details of your policy: You pay for car insurance coverage every month. If the time comes to make a claim, you should receive benefits based on what you've been paying for. Don't let your insurance company escape the contract.
- Don't wait too long: There are time limits in place, such as how long you have to file a claim. Contact your insurance company the second you're able to do so. This typically happens after receiving medical treatment.
If you avoid these common mistakes, it's easier to move through the car insurance claim process with as little stress as possible.
In the event that your insurance company is attempting to take advantage of you, thoroughly review your policy and then learn more about your legal rights in Pennsylvania. It's important that you fight for every last dollar that's owed to you.
Review our website and blog for more information on what to do after a motor vehicle accident.