Making errors on car insurance claims forms can result in delays, denials, or reduced settlements. Knowing some pitfalls in filing a claim and what to do to avoid them may help you get fair compensation. But before we get to filing mistakes and how to avoid them, follow these tips before you ever need to complete an accident claim in the future:
- Transfer your policy.
If your car is pre-owned, immediately transfer the insurance policy to your name. Otherwise, you won’t be eligible to raise any claims. - Buy enough insurance coverage.
Make sure you have enough coverage in your insurance policy for potential claims. Suggested coverage includes the minimum property damage and bodily injury liability coverage your state mandates. Of course, you can increase or add coverage options to suit your needs.
Common Mistakes in Filing a Car Insurance Claim
There are several mistakes people make when filing car insurance claims:
- Not reporting the accident to the police makes it harder to prove the facts of your case.
- Delaying filing your claim may lead to complications in the process.
- Providing incomplete or inaccurate information may delay the claims process or cause a denial.
Gather all necessary documents (photos, witness statements, and medical records). Be truthful about the incident, as any discrepancies could jeopardize your claim. Before filing a claim, review your policy carefully to know what’s covered and what’s not.
What to Avoid After a Car Accident
The following missteps can cause unnecessary problems when filing a car accident insurance claim.
- Moving your vehicle: Preserving evidence is critical to your car insurance claim. Moving your vehicle away from where the accident occurred can result in the insurance company rejecting your claim. It’s best to wait for the authorities to arrive so they can accurately investigate the accident.
- Waiting to report the accident: Report the accident to your insurance company promptly. Filing the claim while the accident is fresh in your mind can improve the quick processing of your claim.
- Underestimating damages: Assess and document all damages, including visible and hidden ones. Underestimating damages could leave you undercompensated for repairs or medical expenses.
- Admitting fault prematurely: Admitting fault at the scene before police conduct a thorough accident investigation can negatively impact your claim, even if you weren’t entirely responsible.
How to Maximize Your Car Insurance Claims Settlement
Being proactive and organized in handling your car insurance claim is critical. It streamlines the process and puts you in the driver’s seat, increasing your chances of receiving proper compensation.
- Document everything: Keep detailed notes of all accident expenses, including medical bills, repair costs, and lost wages. You’ll need this information to negotiate with the insurance company.
- Take pictures: Take and submit photos and/or videos from all angles to avoid discrepancies or disputes.
- Don’t settle too quickly: The initial offer from the insurance company may not always be fair. Before accepting a settlement, assess and present the full extent of your damages.
- Hire a professional: If you’re not confident in the claims process, consider hiring a lawyer or public adjuster to help you. They can negotiate a settlement for you and ensure you receive fair compensation.
Tips for a Smooth Car Insurance Claim Process
Ensure a smooth car insurance claims process and fair compensation for damages or injuries by following these tips:
- Document the accident: Keep all accident records, including photos, witness information, and police reports.
- Report an accident promptly: Start the claims process immediately after an accident by notifying your insurance company.
- Follow Instructions: Provide all the information your insurance company requests to avoid delays in processing your claim.
What if the car insurance company denies your claim?
Be sure you understand their reason(s) for denial. Contact your insurance company to request clarification of particular aspects of the denial. If you have a solid case to appeal, be prepared to provide additional information supporting an appeal of their decision. An attorney specializing in insurance disputes can help you determine if you have a good case for an appeal and improve the probability of success.
Do You Need SR22 insurance after an accident?
We hope this article is helpful in the event you need to file a car insurance claim. Have you been in an accident that resulted in your driver’s license suspension? UltraCar Insurance is here to help you get SR22 insurance in 34 states and FR44 insurance in Florida and Virginia.
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