Many people who are part of a motor vehicle accident immediately turn to their insurance company. While there is no denying the fact that you need to report the crash, here's something to remember: Your agent is not necessarily looking out for what's in your best interest.
With so many car insurance claim mistakes lurking, you never know when you could do something that puts you in an even more challenging position.
Here are some of the many situations that you need to avoid:
- Don't provide any insurance company with a written or recorded statement, as you are not required by law to do so
- Don't accept the first offer you receive, as your insurance company could be looking for a way to put your claim in the past without paying out as much money as they should
- Don't sign anything until you know exactly what it says and what it means
- Don't sign a check marked as final payment, as this will hinder your ability to obtain any other type of compensation in the future
- Don't overlook the time limits of your policy, as they will give you a clear idea of when you need to take action
- Don't let your insurance company off the hook. You have a contract (your policy) with them, and you should expect that they live up to their end of the terms and conditions.
It's easy to believe that you will be able to avoid these car insurance claim mistakes, but things have a way of taking a turn for the worse when you find yourself in a difficult spot.
Fortunately, if you're able to avoid these mistakes, you'll find yourself in the driver's seat. This puts you in position to not only receive the proper amount of compensation for your injuries and damages, but to feel confident in every decision you're making during this difficult time.