How to File a Claim With the At-Fault Insurance Company After an Accident
Filing a claim with the at-fault party’s insurance claim is one of the first steps towards recovering and moving on from an auto accident. It’s crucial that you’re organized and thorough when filing a claim. Most importantly, remember to seek professional advice if your claim becomes complex, so you avoid the costly mistakes unrepresented parties often make. This process can seem daunting if you’re not familiar with how insurance companies operate, so consider these tips.
Before Filing the Claim
First, you’ll want to gather all the essential information while you’re still at the scene of the accident. You’ll need the other driver’s insurance information, including their policy number, and it might be useful to also have their contact information. If you’re unable to get these things from the other driver, you’ll want a copy of the crash report, which should have this information. At this point and throughout this entire process, you should document your vehicle’s damages and your injuries/treatment by taking photographs and keeping all relevant records, including medical records and repair estimates. Next, you’ll need to call the at-faulty party’s insurance company and ask to file a new claim. Be concise when explaining the details of the accident. Often, the insurance representative will ask for details like date, time, location, and a description of how the accident occurred, which can usually all be found on the first page of the crash report. Once the claim is processed, an insurance adjuster should be assigned.
Once The Claim Has Been Filed
Following up the initial phone call with a written statement or formal claim letter is also good practice. The insurance representative should’ve provided you with a claim number during the initial phone call, so include that number as well as any information regarding your property damage, injuries, and/or any other relevant information. Going forward, you’ll need your claim number anytime you contact the adjuster, so make sure you have it saved. It’s helpful to keep record of your communications with the insurance company and have the names/contact information of the individuals you speak with as well as notes about what details you provided them. As you seek and undergo medical treatment for your injuries, stay in contact with the adjuster, so they can adequately plan for your claim.
Settlement Negotiations
Once you’ve reached a point to begin discussing settlement, be prepared to provide the adjuster with evidence, such as your repair estimates and medical documentation, to support your claim. Any photographs of your property damage and/or your injuries can be valuable in demonstrating to the adjuster the amount of pain and suffering you’ve endured. If negotiations stall or if you encounter challenges, consider seeking legal counsel to help you navigate any complexities and ensure your rights are protected. For most claims – other than the most minor accidents – having legal representation can be advantageous and the best way to avoid costly mistakes unrepresented parties can make. For instance, unrepresented parties often give insurance adjusters recorded statements that are later used against them because they felt like they had no other choice. Our attorneys at Charles Boyk Law Offices know how to deal with insurance companies and are always willing to assist you with each step in the process.
Call today for guidance on filing a claim with the at-fault party’s insurance after a wreck.
