Immediately following a car accident you need to file an appropriate claim with an automobile insurance company. In some instances, you may need to file claims both with your own insurance carrier and the automobile insurer of the person who caused the accident.
There are a number of things that must be done when pursuing a car accident insurance claim, including make sure you make all deadlines. In addition, there are some things that you must not do when pursuing an automobile accident claim.
Do Not Sign Releases of Waivers Without Legal Advice
Perhaps the most important act you must not due when pursuing a car accident claim with an insurance company is signing releases, waivers or any other document without legal assistance. The reality is that each and every day, people sign away their rights in regard to valid car accident insurance claims when they execute documents without legal representation.
No matter how much pressure an insurance company puts on you to sign a document or instrument, do not do it. If you have not done so already, schedule an appointment with a qualified personal injury attorney immediately.
Do Not Automatically Accept Estimates or Appraisals
The insurance company will obtain an estimate of the damage caused to your own vehicle as well as appraisals of other losses, including things like anticipated lost wages. You should not automatically accept an estimate or appraisal from an insurance company.
What you need to do is consult with an attorney before you accept any proposal regarding losses and dollar amounts presented by an insurance company. This is yet another element of the claim settlement process that underscores the need for competent legal representation.
Do Not Ignore Deadlines in Your Insurance Policy
Many people wrongly conclude that timelines and deadlines set forth in an insurance policy are somehow advisory. In fact, they are binding. Missing a deadline can result in the lawful and final denial of your claim. You should always be on top of any emails, letters and voicemails you recieve. Clients in the past have ignored these due to a busy lifestyle, however it's very cruicial to respond immediately.
Retain Legal Representation As Soon As Possible
You need to be proactive in obtaining legal representation following a car accident or any auto accident. You should retain a personal injury lawyer. Yelp is a great starting point to finding local personal injury attorneys in your area. Almost all personal injury attorneys offer a free consultation.