Following car accidents, calling your insurer and reporting the accident will be essential to getting your claim started. While you may believe that simply having car insurance will protect you after an accident, unfortunately, this is not necessarily the case because:
- Insurers are often hesitant to pay policyholders for legitimate claims – even when the policyholder clearly had no fault in causing the accident.
- Insurers may actually look for reasons to reduce or deny valid car accident claims.
- Insurers’ goal is often to protect their profits by limiting payouts on accident claims.
As a result, don’t give your insurer any reason to try to undercut or deny your claim. Instead, follow these tips to safeguard your rights to compensation.
TIP 1: Call your insurer as soon as you can after the car accident.
Car insurance policies can have specific time limits associated with how soon after an accident policyholders have to call insurers and alert them that an accident has occurred. While it’s ideal to know such details of your policy, if you don’t, make sure to call your insurer as soon as you can after a motor vehicle accident to report the wreck to your insurance carrier.
Of course, there may be some factors that prevent you from calling your insurer immediately (like, for instance, if you are seriously injured and are hospitalized). However, as soon as you are able to, call your insurer.
TIP 2: Only discuss the facts of the accident.
When you call your insurer, you will likely be asked to make an official statement about the collision – and these statements are often recorded by insurers (your insurance company should inform you of this prior to recording your statement).
As you make an official statement – or at any point when talking to insurers about the car accident, it’s crucial that you only discuss the facts of the accident. This means that you should specify details like when the accident occurred (i.e., the day, date and time) and where the accident took place (i.e., the address or specific location). Additional facts to discuss with your insurer will typically also include who else was involved in the collision, the visible damage to your vehicle and whether you received emergency medical care after the accident.
Stay posted for the upcoming second and third installments of this blog for some more tips on what you should do when reporting traffic accidents to insurance companies.
The Experienced Boulder Car Accident Lawyers at the Cederberg Law Firm
If you or a loved one has been injured in a car accident and are preparing to contact your insurer to get your claim started, don’t try to deal with your insurance company on your own. Instead, contact the Boulder car accident lawyers at the Cederberg Law Firm.
At the Cederberg Law Firm P.C., you will not be handed off to a paralegal or assistant. You will receive personal attention and professional service from an experienced lawyer who cares about you and who is dedicated to providing you with superior legal services at every stage of your case.
Contact Us Today
Call us at 303-499-0449 or email us using the form at the side of the screen to learn more about your rights and schedule a free, no obligations initial consult with our attorneys. In addition to offering contingency fee options, our lawyers make hospital visits to ensure that you have access to the legal support you need – whenever you need it.