How to talk with the insurance company after the car accident?    

All opinions are mine and mine alone.

How to talk with the insurance company after the car accident?   

Long gone are the days when purchasing a car was a luxury. Now it is a necessity, and that’s why more than 1 billion people own a car. And why not? It makes traveling much more convenient. You can go wherever and whenever. It is like a mini home; you can eat, sleep and make several memories in it.   

However, all good things come to an end. Right? It was just another day for you. You were in the car going somewhere, maybe meeting an old friend of yours or going to the office. But unfortunately, you met with an accident. Luckily you survived the accident. Although your vehicle is all damaged.   

A damaged car means a financial burden on your shoulders, as you need to get it repaired as soon as possible. Otherwise, it will be very challenging for you to reach the destination on time. But how will you get the money to pay for all the damage? Yes, that’s right! You can get the insurance claim for all the damage.  

 But!  

Getting a claim is not as easy as it looks. Why? Well, it is because, at the end of the day, insurance companies are doing business. And for their business to survive, they will try their best to pay less than the original claim. That’s the reason why it is essential for you to learn the technique of communicating with them.   

You might think that it is unnecessary, but believe us, it is not. In fact, by learning what you need to do, it will be relatively easy for you to get the claim you deserve. Besides, it is always better to be fully prepared in every matter that involves money.   

Thus, you should learn more by scrolling more!   

Get a copy of the police report.  

When a collision occurs, you need to make two calls. The first is to the medical emergency, and the second is the police. You must be wondering- why police? Well, the reason behind this is that the police will make a report of the accident. This report will have all the information, i.e., who was involved, when and where did the collision occur, how much damage has been done and who was the culprit.   

Thus, you need to get a copy of this report before making an appointment for the claim. It is an official report and is strong proof that the company can’t overlook.   

Hire a personal injury lawyer  

The next thing on the list is to hire a lawyer. Why? Well, as mentioned earlier, the insurance company will try everything in their power to pay you less. Besides, as you are not familiar with your every right. But a lawyer is. Thus, you should hire hardworking car accident attorneys who can present your case in front of the company and the court. Besides that, they can educate you about the coverages that you can claim.   

Hang on! There’s more!   

There are several other benefits of taking the help of a lawyer, such as: 

• They have good communication skills, thus can get the required information from the witnesses and the other party.  
• They have immense knowledge, hence can make a strong case.  
• They can also get their hands on the crucial details you might have missed due to the accident’s trauma. 

Understand all the money damage that you can get  

Now that you have a lawyer with you, you should read the insurance policy that you have. Why? Well, as there are several types of policies according to the need of insuree. It will help you in understanding what things are covered in the policy and what is not. Generally, you can get the following type of claims from the company: 

• Medical bills (Reimbursement for the medical equipment as well as prescriptions)  

• Property damage 
• Loss of earning capacity or wages  
• Loss of enjoyment of life 
• Pain and suffering 

To know if your policy covers all these damages or not, you need to read it very carefully.  

Negotiate for your valid claims  

Lastly, you should make a list of all the points that you want to ask the company. Because there are chances that you might forget about a certain point while talking with the insurer. Along with that, take your lawyer with you to the meeting. As they can help you with the negotiation of the policy terms and protect your rights.  

To sum it all up!  

We understand that doing all this is very overwhelming and tiring, especially when you were involved in a traumatic accident. However, if you don’t take the required steps, it will be an injustice with your rights. So you should be fully prepared when you are talking with the insurance company.