Dealing with Insurers

Being in a car accident can be stressful and many people are unaware of the steps they should take. One of the major steps that needs to be taken is having a conversation with your insurance company and possibly the insurance company of the other driver. As soon as possible, contact your automobile insurance company to report that an accident has occurred. Your insurance company will assign a claim number and a claims adjuster to handle all aspects of your claim.

The insurer will ask you to provide as much information about the accident as you can and may ask to take a recorded statement of your version of events.

If the claim involves property damage to the motor vehicle, the insurance company may send out an individual to evaluate the extent of damage and to determine whether the car is repairable. Depending on your insurance policy, you may be able to have a rental car provided to you. Even if you were not at fault, your own insurance company will often provide the rental car to you and seek reimbursement from the at-fault party at a later time.

You will also want to report the accident to the other driver’s insurance company. Exercise caution when speaking with the other driver’s insurer. Remember, that company is representing the interests of the at-fault party and may not be putting your best interest first.

It is generally advisable to avoid providing a recorded statement. The insurance company may ask you to sign authorizations allowing it to access your employment and medical information. It is your right to refuse to do so. Inform the insurance company that you will provide all relevant medical information when you have completed treatment for any injuries. If your car is disabled and you have not obtained a rental car from your own insurance company, request that a rental car be provided to you.

Northland Injury Law helps victims injured in car accidents recover the compensation they need. If you have been personally injured, call 816-400-4878 for a Missouri automobile accident lawyer today.