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Car Insurance Claims: Do's and Don'ts After an Accidentcheap car insurance for young drivers 

Nobody wants to be involved in a car accident. However, accidents can’t be avoided nor can it be predicted. That is why car insurance is there to make sure that you are secured while you are on the road. If in any case that you did find yourself in a car accident then the next thing you can do is to make a claim from your car insurance companies. This claim is for the damages on your car as well as your personal injuries. But before you get in touch with your car insurance company there are a few things you need to do before you make that approach. Here are some of the do’s and don’ts when you are making car insurance claims. 

Here are the DOs that you need to accomplish: 

  •  Do read over your car insurance policy and understand what you are covered and won’t be covered of.
  • Do take pictures. The more pictures, the better. Include the damages done to your car as well as the properties that were damaged because of it. If you have injuries, take a picture of them as well. Keep a detailed portfolio of these things in case the insurance company asks for evidences.
  • Do know the difference between the cost of your car for its replacement or repairs, what you owe on your car as well as the gap coverage.
  • Do call your car insurance agent as soon as you are involved in an accident. Informing them is the first thing you should do.
  • Do write down every that you have talked about with your car insurance company. Jotting down the specific keys of your claim is always a good thing to have. By doing so, you won’t miss out on the things that you need to do.
  • Do know if you have other insurance that can get you coverage.
  • Do call your lawyer to make sure that you will be getting fair car accident insurance claims.
  • Do answer all the questions being asked by your insurance in all honesty. Be straight to the point and give a detailed explanation if you can.
  • Do save all the receipts of whatever purchases or expenses you have from your car accident. This is will be a good proof to your car insurance company when you are making a claim.

The DONTs: 

  • Don’t miss your car insurance company’s deadlines. Being prompt in replying or answering mails from your insurance company will also show that you are eager to get the whole process done.
  • Don’t accept checks from your car insurance company.
  • Don’t agree to any estimation that your adjuster gives you. Make sure that you know how much damage was done and the cost of all expenses made.
  • Don’t ever send any agreement statement to your insurance company as this can be used against you.

Once you have done all of these, make sure that you contact your lawyer. Since many car insurance companies will give you minimum compensation, the presence of your lawyer will help you get what is due to you. You lawyer can help determine how much your car insurance claim is worth and not just settle on what the insurance company says.