A motor vehicle accident can alter your life in many ways. From injuries to damage to your vehicle, you never know where things will end up. The best thing you can do is take immediate action if you ever find yourself in this position.
The first thing you must do is seek medical treatment. The sooner you do this, the sooner you'll understand your injuries and prognosis. Furthermore, this lessens the likelihood of long-term health concerns.
Once time allows, contact your insurance company to file a claim and discuss the next steps in the process. You should attempt to do this shortly after the accident, but only after you've received medical care. Depending on the severity, you may not be able to do this yourself, but will have to rely on a loved one.
Here are several insurance claim tips to help keep you on track:
- Review your policy: Don't let your agent tell you about your policy and rights. Instead, read the policy from start to finish so you understand exactly what it offers. This is a contract, so don't let your insurance company wiggle out of paying you what you deserve.
- Take notes after every conversation: It doesn't matter whom you speak with or what's said, make note of the person's name, date, time and anything you discuss.
- Take pictures: From your injuries to damages to your vehicle, any pictures you take can make life easier when working through your claim.
- Be honest with your insurance company: Don't assume you have to lie in order to get what you want. Honesty is the best policy, although this doesn't mean you have to go out of your way to answer questions that make you uncomfortable.
- Keep receipts: If you take on any expenses after your accident, such as those for a rental car and medical bills, keep the receipts until you reach a final settlement with your insurer.
There's nothing easy about being part of a motor vehicle accident. It's sure to turn your life upside down, so the best thing you can do is take it one day at a time.
It's essential to follow these insurance claim tips, as they'll help protect your legal rights and get your life back in order as soon as possible.