Car Accident Insurance Claims FAQs

Car Accident Insurance Claims

When a car accident occurs, individuals often have many questions that they need answered about car accident insurance claims. They need to know how the car accident is going to affect them and what steps they need to take to ensure their insurance company meets all the obligations listed in the car insurance policy. In order to help victims of car accidents better understand their responsibilities and to help victims make certain that the insurance company offers them a fair settlement, the following frequently asked questions should shed some light on a sometimes complex set of circumstances. The seven frequently asked questions on insurance after a car accident for accident victims are:

Questions to Ask Regarding Car Accident Insurance Claims

1. How soon do I need to contact my insurance agent?

Victims of car accidents should contact their insurance agent as soon as possible. It is recommended that you call your insurance agent before you even see a doctor, although this will not be possible in all situations. Ideally, you should contact the insurance agent immediately after the car injury or accident has occurred.

2. When should I give a written statement to my insurance company or allow my statement to be recorded?

Not until you have reviewed and understand your car insurance policy. If you are being pressured to submit a statement or feel that you need help understanding your policy, an attorney may be of assistance.

3. Should I take pictures of the accident scene and the damages to my car?

Yes. Taking pictures of the property damage, injuries sustained, and the accident scene is excellent documentation and proof of what actually occurred during the accident.

4. What happens if the driver that caused the accident does not have adequate insurance or has no insurance?

Most car insurance policies include a provision for both underinsured and uninsured motorists. Your insurance agent or an attorney can help you understand what these provisions mean and how they can help you with your property damage and injuries.

5. Should I tell the insurance company what really caused the accident?

Yes. You should always give your insurance agents the facts about what actually happened to cause the accident. If you falsify information, the claim may be denied.

6. Should I accept the first estimate or appraisal the insurance company gives me?

No. Many times the insurance company, because they want to pay as little as possible, will try to get their customers to accept replacement estimates determined by contractors and mechanics that work for them. These estimates might be a bit low, so it is wise to get a second opinion.

7. Do I really need an attorney to assist me? I thought the insurance company was on my side.

Unfortunately, the insurance company is generally not on your side nor do they have your best interests in mind. If you have any questions about your policy, do not understand your policy, have trouble contacting the insurance agent, have not received a check from your insurance company, or have any other concerns about how your claim is being handled, an attorney will be able to provide the assistance you need.

The Florida personal injury attorney team at LaBovick Law Group will explore every area of investigation to help ensure that you are fairly compensated for your injuries or trauma sustained as a result of a motor vehicle accident.

If you or someone you love has been injured in a Florida motor vehicle accident, please fill out the form on the left for a free case evaluation by a qualified Florida Personal Injury Attorney. Our Florida car accident lawyer, paralegals, and case managers represent accident victims throughout Florida, including Palm Beach County, the Treasure Coast, West Palm Beach, Jupiter, Boynton Beach, Stuart, Port St. Lucie, Vero Beach, Ft. Pierce, Boca Raton, Ft. Lauderdale, Pompano Beach, Coral Springs and Wellington.