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Injured In A Car Accident: Dealing With The Insurance Company

Posted in Car Accidents on Friday, January 13, 2017.

Recovering from a car crash injury can be daunting, expensive and have a major affect on your daily life. Depending on the severity of your injury, the recovery process might be more extensive and require long-term treatment. Medical bills add up quickly and if you’re not properly covered it can become financially devastating.

Should you wait to file an insurance claim?

After the accident occurs, an insurance claim will be filed. This claim should be filed immediately following the accident, waiting too long to file could hurt your chances for fair compensation. You will be required to give a statement about the accident to the insurance agent handling your claim. Be very clear when describing your injuries, do not leave anything out. Even if you think your injury is minor, be sure to mention it. An injury might seem minor at the moment but could develop or worsen over time.

When is it necessary to see a doctor?

If you’re injured in a car accident the first thing you need to do is seek medical attention. Do this immediately, it’s impossible to judge the severity of your injuries without a doctor’s examination. Not seeing a doctor right away could be detrimental to your health and insurance claim. The insurance company might become suspicious of your injury if you never sought medical care.

How much information about my medical care do I give the insurance company?

The more information an insurance company has, the better they will be able to determine your needs for compensation. Any medical care that you’ve received or are currently receiving for your injury should be communicated to the insurance agent in charge of your claim.

Taking pictures of your injury (if external) is great documentation, let the insurance agent know you took photos and send them copies.

Your injuries should also have been documented in the police report from the officer on the scene; the insurance company will need a copy of this report.

Keep personal records of everything that pertains to the accident. Make sure you have copies of anything you provide to the insurance company. Save all receipts, medical bills, car estimates, etc.