The best way to deal with insurance after a car accident is to file a claim as soon as possible and be prepared with any information or documentation that you have related to the wreck. It’s also important to be honest with the insurance adjuster and be ready to negotiate a fair settlement. Keep in mind that you shouldn’t sign anything without understanding it, and you should consider getting an attorney if the insurance company acts unethically.
7 Tips for How to Deal With Insurance After a Car Accident
1. Call your insurance company immediately.
Even if you aren’t at-fault for the wreck, your insurer likely requires you to tell them about any accident that you’re involved in. Keep in mind that you can report an accident to insurance without filing a claim.
2. File a claim as soon as possible.
The sooner you file a claim, the easier it is for the insurance adjuster to investigate the wreck.
3. Be prepared.
Make sure that you have any police reports, photos, witness statements, and other information related to the accident.
4. Stick to the facts.
When the insurance adjuster contacts you, don’t speculate about fault or lie about what happened in the accident. Tell your side of the story as you know it to be true.
5. Don’t be afraid to negotiate.
It’s possible that the insurance company’s first settlement offer won’t be enough to cover your expenses. Be ready to come back with a counteroffer supported by medical or vehicle repair bills.
6. Be careful before you sign anything.
Make sure you fully understand any documents that the insurance company gives you. If you need to, you can hire an attorney to help you with the process.
7. Hold the insurer accountable.
If the insurance company is acting in bad faith, you can report them to your state’s insurance regulator or, in a worst-case scenario, file a lawsuit.
To learn more, check out WalletHub’s guide on what to do after a car accident.
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