Three Challenges You May Encounter When Filing a Car Accident Claim

Berry Mathew

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Three Challenges You May Encounter When Filing a Car Accident Claim

Filing a car accident claim can be stressful and frustrating. Although you want your claim to go through smoothly, you may encounter problems at some point. This can be because of the delays in the way insurance companies handle claims. A delayed or denied claim can be a tough situation to be in following a car accident. This is the reason you need to know what you can do beforehand to make sure go through the claims process smoothly. A car accident attorney can help you make the necessary preparations, so you can submit a solid claim.  They can help you overcome any challenges you may encounter when bringing a car accident claim. These challenges can include the following:

Insufficient Documentation

To convince the insurance company to pay for your claim, you must provide it with proper documentation and details about the events that surround your accident. Also, you must give evidence of your damages. To ensure you don’t experience delay or denied coverage, obtain information such as the other driver’s information, license number, license plate number, and car insurance information. Also, you should take photos of the accident scene and the cars involved. 

Click here – Keep an eye out for the police who may try to deceive minor suspects.

Inadequate Coverage

Before you file a car accident claim, make sure the damage or the injuries you sustained are covered under your car insurance policy. Review and understand the inclusions and exclusions to make sure you don’t file a claim for damage you cannot get coverage for. But if somebody else’s negligence is to blame for the accident, you may be entitled to compensation from this party’s insurance company. Your attorney can look into your case, determine and prove liability, as well as hold the negligent party liable for your losses. 

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Insurance Company Tactics

As insurance companies try to devalue or deny claims, they will employ different tactics to achieve these goals. They will make a quick settlement offer, hoping that you would accept it, given your financial situation. Unfortunately, this offer won’t reflect the true value of your claim. Accepting an early offer from an insurance company is not a good idea as you may not know yet the worth of your claim. 

In addition, insurance companies may approach you in a friendly way, so you can feel comfortable communicating with them. Eventually, they will ask you to provide them with recorded statements, saying this will help strengthen your claim. The truth is that insurers will only find fault in your statements and use this against your claim. So, before you deal with an insurance company, consult with your lawyer first.