One of the often-overlooked benefits of our ever-advancing technologies is improvements in car safety. As auto manufacturers work to increase the safety features of their models, the chances of losing your life in a car crash have dropped significantly.
Unfortunately, your chances of being in a collision haven’t dropped in the slightest. No matter how diligent a driver you are, it’s still likely you will be involved in an accident during your lifetime. Insurance questions can often arise in connection with a collision.
According to auto insurance industry experts, the average driver files a collision claim approximately once every 18 years. The younger the driver, the more likely a crash will occur.
Every driver knows they are legally required to have car insurance to operate a vehicle. However, not every driver knows how to handle the accident insurance adjuster once you have to file a claim. That’s why it’s strongly recommended you contact an attorney any time you’ve been in an auto accident.
What You Need Before You Call
Collecting the right information immediately after your accident is vital to protecting your interests. Dealing with insurance after an accident can be made easier through proper preparation.
Be sure to gather the following information when possible before you call your insurance company:
- Name, address, and date of birth of the other driver
- The other party’s license plate number
- The year, make and model of their vehicle
- Passenger information
- Their insurance company and policy info
- The vehicle owner’s name, if they were not driving
- The police accident report
- Photos of the damage to both vehicles
- Weather or road conditions at the time of the accident
In addition to collecting the right information, it’s just as important to avoid discussing certain information while on the scene. Please do not at any time admit fault for the accident, even if you genuinely feel the fault is yours. In most instances, the police report will be the deciding factor in determining who is at fault.
Insurance Questions for Your Provider
Your coverage options should be included in your specific policy. If you have it on hand, review it before calling your insurance carrier. If you do not have a copy, this should be the very first thing you request. You’ll need to know exactly what is covered by your policy and what specific factors affect your insurance claim.
Connecticut has comparative negligence laws that may largely determine how much compensation you can receive for damages. Ask your insurance adjuster if the burden of proof has been satisfied. This can often be done through the police report or by any evidence they may have collected. You will then have a better idea of what your settlement offer will be.
You may also ask if there are any special provisions or clauses in your insurance policy that might affect the outcome of your settlement claim. There might be specific filing deadlines or other requirements you need to meet.
The Flood Law Firm can assist you with getting a police report if you have been injured. Contact us today for a free case evaluation.
Insurance Tip: When purchasing insurance, a traditional collision coverage policy will provide more reimbursement than a liability policy. In fact, a liability policy only covers injuries and damages to the other person’s car when you are responsible for causing the accident. It will not cover your injuries or damages to your car.
10 Insurance Questions to Help Protect Yourself
It’s highly likely the other party’s insurance adjuster will contact you after an accident. Remember that you can politely refuse to talk to them. You should do this if you already have an attorney representing you, or are considering one.
Allowing an attorney to negotiate with insurance companies can help protect your best interests. Without the proper legal representation, you might be leaving out important information or evidence that may be crucial for your claim.
Many insurance adjusters are trained in tactics to break you down and frustrate you with red-tape and bureaucracy until you accept their offer. What they offer is usually the lowest settlement possible.
Our verdicts page has examples of insurance offers and our recoveries for hundreds of thousands to millions of dollars.
In the event of an accident, the following insurance questions may protect you from companies or agents seeking to take advantage of you:
Get In Touch with an Experienced Car Accident Attorney
Dealing with insurance claims on top of car accident issues can be frustrating. The attorneys at The Flood Law Firm understand what you are going through and are here to assist you during these difficult times. We are dedicated to supporting those whose lives have been impacted by vehicle accidents.
Our lawyers are well-known to insurance companies for their many successful trial verdicts and accident settlements, as well as their tenacious commitment to representing clients.
We are committed to holding insurance companies accountable for the injuries and compensation involved in our clients’ cases. If you have been in a car accident and need assistance dealing with insurance matters, get in touch with us today by calling (887) 987-9529. You can count on us to fight to get the compensation you’re entitled to.