5 Important Facts About Auto Claims and Accidents

Posted on Jan 20 2018 - 9:28am by admin

We purchase insurance and follow the rules of the road to prevent costly, life-threatening accidents. Still, they happen to people every day. Most of us are prepared to pick up the phone or reach out to someone nearby for help, but once the dust has settled, it may not be over. Here are five important points to think about while you’re safe and sound.

Auto Claims and Accidents

  1. You have to know when to file a claim.

So maybe your accident wasn’t a big deal, the other driver promised to pay for it, et cetera. There are an infinite number of ways an accident can play out.

If your vehicle was damaged, you need to file a claim no matter whose fault it is. In fact, there doesn’t even need to be a collision, and the damage does not need to be severe. If you were parked, a tree on someone else’s property fell on your car, vandalism occurred, or you’re just not sure what happened exactly, file the claim.

If you were injured in an accident, you need to file a claim if you’re not at fault, no matter the other party’s insurance status. 

  1. Your insurance company has certain obligations.

And that “certain obligation” is you. State laws may vary, but there isn’t room for a third party when you’re dealing with your insurance company. Good faith standards and the avoidance of unfair settlements are extended to you and you alone.

They also must fully investigate your claim. Now’s a good time to read the fine print on your policy and know what else your company has promised you – before you need them. 

  1. It may be best to seek an attorney’s advice.

In some cases, your insurance company will get you an attorney. However, if you’ve been injured, you should speak to lawyers who specialize in this to get a clear picture of the process and your options.

Visiting a site like https://www.hupy.com/offices/des-moines–iowa-auto-accident-attorney.cfm or someone else in your area may be a good start. 

  1. Accidents, injuries (and claims) certainly aren’t a rare occurrence.

Whoa, now that we’ve gotten lawyers involved, this seems like a pretty big deal. Maybe it is, but most of us have either been there or know someone who has. In the United States alone, there are more than 135 million cars on the road daily, and someone is injured in a car accident every 15 seconds. The majority of such accidents happen just a few minutes away from the safety of your driveway.

When you put it in perspective, that’s a lot of ongoing claims. 

  1. You will get through this.

From a legal and physical standpoint, we take great care in accident recovery. But too often, we don’t focus on recovering from accidents emotionally, mentally. The trauma can cause great anxiety behind the wheel in the future, so don’t stuff these feelings down and wait for them to go away. Talk about your accident with people you trust, and do your best to maintain a healthy attitude about getting on the road.

Even minor accidents are a total hassle. A little knowhow, a competent insurance provider, and an attorney’s take can help minimize the stressful impacts of any accident. Brush up on what your rights and policy, and you’ll be ready to coast through the unexpected.