Your insurance agent will tell you about numerous benefits that you will get in return for getting the policy. However, when it comes to the reality check, the insurance company will tightly hold their bags. They won’t easily give you the money. So if you are thinking that after experiencing the accident you will file for the claim and they will just hand over the amount, you are wrong. Come out of the fantasy world.
Do these things and you won’t miss a penny from what you deserve?
1. Get yourself a lawyer
If you have encountered an accident and you want to claim for the damages, get a lawyer. Although all lawyers are good enough but can all of them deal with insurance companies? No, they cannot. This is because insurance companies also have a team of lawyers. They won’t let you make the most of them. Furthermore, they will do their investigation before approving your claim.
Therefore, it is best that you get a lawyer that specializes here. Or you can visit here to find one. They have lawyers who specialize in car accident cases. Therefore, they know how to make the situation to your benefit.
If you are planning to handle the situation on your own, you will miss several points. For example, you might only ask the company to take care of damages to your vehicle. But what about the mental cost? Therefore, you should let the professionals handle the case. They will do their job in handling the case so that you can get compensation for your damages.
2. Take pictures of the scene
It is okay to lose your mind after encountering a car accident. You might get blank and won’t know what to do and how to react. Therefore, you have to be careful at that time. Sit back on your seat, take deep breaths and relax your mind and body. Look around the area and make sure that you are safe.
And if you think that you are alright and in your right mind, come out of the car. Look for the damage and take pictures. It is best that you call the insurance company at that spot. Let them take care of the situation. They will arrive soon and will look for the damages. Furthermore, it will be easier for you to get the claim approved.
However, even if you have called the insurance company, you should still take some pictures. It is important to have proof in your hand. Because you never know what the future brings. These photographs will come in handy if the situation worsens.
3. Complete your documentation
Another thing that you need to do is to complete your documentation. While you are filing for the insurance claim, you need to write every little detail. Whether it is mental or psychological damage or you got an injury, you need everything. This will give strength to your case and you will be able to get more money.
If you claim only for the car damages, you will only get that. However, if your aim is to get compensation for all the damages that you suffered, you need strong backing. And you will get this strong back from the proof that you have.
4. Get a comparison
You will find a companion checklist on the web. So after you are done writing your claim and filing the forms, you can do some comparison. This checklist will let you know all the things that you should mention in your claim. Thus, you won’t skip any point.
Furthermore, it will also give an impression to the insurance company that you have done your homework. Therefore, they won’t try to act smart in front of you. This will make things less complicated and you will be able to talk straightforwardly with your agent.
But if you feel like your agent is trying to be at the upper hand and is negotiating, you can be straightforward with him. It is possible that even with your complete documentation, the agent will try to act smart and give you less. So do not fall for such tricks. And if you think that the situation is much more complicated and you cannot handle it, get a lawyer.
What to do at the scene of the accident
Although you will do all these things to get the maximum out of your insurance company but wait. You should know that things will start from the scene of the accident. Therefore, you have to start acting from there.
Secure the scene
In case of a serious car accident, you will need to call the police and also the insurance company. However, if the accident is not much serious, you should call your insurance company. But it will take some time for them to reach there. So before they reach your destination, you should make sure that the scene remains intact.
Ask for cooperation from the other driver
If you have met a car accident, you are not alone. Of course, you had an accident with the other driver (unless it is not the case). So if it was an accident between two vehicles, talk with the other driver. Assess his attitude and look at how he responds to the situation.
If the other driver seems cooperating, ask for his cooperation and do not change the accident scene. It would be best for both of you.
However, this is a highly ideal situation and it won’t happen like this. It is highly likely that the other driver will try to put the blame on you. But try to keep yourself calm and do not get into a fight with that person. But this does not mean that you will take the blame on yourself. Ask for his cooperation and make him understand that both of you should wait for their agents to arrive there.