Filing a car insurance claim sounds like a straightforward process, but you may soon find that it's much more complex than you thought. Knowing what you should and shouldn't do will allow you to prevent a costly error.
Here are three of the most common car insurance claim mistakes:
- Providing a written or recorded statement: Your insurance company may ask you to do this shortly after the accident. Rather than comply, tell them you're not comfortable doing so. You have the right to consult with an attorney before you do anything.
- Accepting the first offer: Your insurance company would love for you to accept a low-ball offer, as this gets them off the hook for less than what's actually owed to you.
- Neglecting to review your policy: Before you contact your agent, review your policy from top to bottom. This will give you a clear idea of what you're entitled to, putting you in a position to fight for what you deserve. If you neglect to review your policy, it's much easier for your insurance company to take advantage of you.
There's a lot to think about after a car accident, with most of your attention turning to your health and recovery. However, you shouldn't wait too long to contact your insurance agent to file a claim.
As you move through the claims process, pay close attention to the details of your policy and your legal rights. This will allow you to make all the right decisions, putting you in a position to receive as much compensation as possible.