(Newswire.net — December 6, 2019) –While it may not be something most of us think about every day, the fact is, it is highly likely that each of us will be involved in an automobile accident in our lives (and many reading this have been already.) They are never fun to deal with but knowing exactly what to do following an accident and when to do it can help greatly lessen the stress involved and help to get you to an acceptable resolution as quickly as possible. One of these things is the recommendation to speak with the insurance company immediately following an accident.
Even If you feel the accident might have been your own fault, contacting your own insurance company after an accident is absolutely recommended and here are a few reasons why:
- It is likely mandated in your insurance policy contract-Your insurance policy likely mandates that you contact your insurance company within a certain period of time following an accident. While the actual time to file the claim may be as long as 30 days following the accident, doing so quickly is very smart so they can begin to process the claim.
- Your insurance company will need the exact details of the accident in order to help establish liability-Your insurance company will need your specific account of how the accident happened. They will use this information along with information contained in the police report as well as statements made by the other party (if they have any) to determine who is at fault and which insurance company will pay.
- Your insurance company can provide details about the coverages your policy contains-Following an accident, there are a number of issues that may need to be dealt with. These include getting your car fixed, dealing with possible injuries and the associated medical bills, the expense of a rental vehicle while yours is being repaired, and even the reimbursement of lost wages if the accident forces you to be out of work for any length of time. Speaking with your insurance company can help you learn more about your policy and how and HOW MUCH it will pay for these types of accident related expenses.
- If your policy will pay for anything on your end, your insurance company can help secure the work/services to be performed-If it is determined that your policy will pay for any of the accident related expenses, your insurance company can help secure those services for you. They will have contacts and relationships with a variety of companies including car towing companies, car rental agencies, and auto repair shops. They can help secure many of these services for you and in some cases arrange for the insurance company to make direct payments to these companies as well, up to the limits allowed in your automobile policy.
While calling your insurance company immediately following an accident is recommended, it is also wise to consider securing the services of an attorney, especially if you sustained injuries due to another party being at fault for the accident. Your insurance company and a law firm who has experience in dealing with auto accidents can work on your behalf to ensure that you receive the compensation and reimbursement you deserve for any injuries or damages sustained in an auto accident.