Atlanta Car Accident Insurance Claims

Atlanta Auto Insurance Claims

Dealing with insurance after a car accident can be frustrating. Consulting with a car accident attorney can make the ordeal of auto insurance claims much less stressful. Many insurance comapnies are more concerned with protecting their bottom line than with making sure you are properly compensated. An experienced auto accident lawyer knows what steps to take after a car accident to best protect your rights and keep the insurance company from denying your claim.

Whatever you decide to do, there are several things you should be aware of when discussing the incident with your insurer in order to receive proper compensation.

What to do after a car accident:

Carefully review your coverage and make sure you understand it before talking to your insurance agent, paying particular attention to the “coverage” and “exclusion” sections.
If you have more than one insurance policy, check to see if it covers your claim.
Know the difference between actual cash value and replacement value.
Call your insurance agent as soon as possible.
Take specific notes of your all conversations with the insurance company representatives you talk to. Get names, phone numbers, and job titles in addition to the name of their supervisor.
Take pictures of the scene of the accident (if possible) and the damage done to your vehicle and any physical injuries.
Be honest with your insurance provider. Failing to be truthful, whether by omission or misrepresentation of facts, can invalidate your policy and lead to denial of coverage.
Keep receipts of all purchases made while recovering from your injuries or pursuing a claim until a final settlement is reached with your insurance company.

What NOT to do after a car accident:

Give any written or recorded statements to your insurance company until you completely understand your coverage. It is not mandatory to allow your insurer to record your phone conversations. You should discuss any questions you might have with a car accident attorney.
Ignore your policy’s limits. Many often grant a limited window of opportunity to provide signed proof of loss.
Let your insurance company violate your contract. You are legally entitled to the coverage promised to you under your policy.
Accept the first estimate/appraisal your insurance company offers.
Sign waivers without a legal consultation.
Accept a check for a “final payment”

The aftermath of a car crash is always one of considerable confusion. Accident victims may be more likely to agree to something without thinking or to allow themselves to be taken advantage of. That is why it is so important that you have an experienced car accident attorney on your side to handle the insurance companies while you focus on taking care of your injuries and your family. Contact Morgan & Morgan for a free car accident case evalutation as soon as possible; we are always available, 24/7, to help victims and their families.

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