How to Filing Car Accident Insurance

57 views 6:00 am 0 Comments April 13, 2022

How to Filing Car Accident Insurance


how to get a higher insurance settlement for a vehicle accident
With that out of the way, John, let’s get to the question at hand.
Emily asked this question.

“Hello, John,” Emily says.

I’m in the process of getting a claim check “for a minor car accident that occurred two weeks ago.”

It was the fault of the other individual.”

I do, however, have a police report.

Might you give me any pointers or suggestions on how I can get more money from the insurance company?

“Also, is there anything else you might propose to speed up the process?”

So Emily’s question is a fairly typical one.
She simply wants to know what she needs to do following a minor accident.

What wasn’t said about Emily was whether she was hurt or not, but it sounds like she suffered some property damage.

So I’ll simply go over both of them.
One thing I don’t talk about much, but that people always want to handle right away, is property damage, their vehicle, how to get it fixed, if it’s in the tow yard, those kinds of things often upset people because they want to get in a vehicle so that they can sometimes receive treatment as well.
One of the things that consumers should be aware of is that their claim will normally be handled by two adjusters.
One is a property damage adjuster, and the other is a bodily injury adjuster, and they are on both sides of the accident.

So one of the first things she may do is contact her insurance provider about the accident and make sure they’re aware.
If she has that information, she can speak directly with the adverse insurance company, third party insurance.
She wants to ensure that she obtains the other party’s insurance company information at the scene of the collision.
If the police arrive, which I always urge Emily do, they’ll often acquire the insurance information for her and give her what’s known as an accident exchange form.
This will include information about the other party, their insurance company, and a phone number.

So she can call that number and file a claim with them, letting them know there was an accident.
There is a word of caution here.
She doesn’t want to talk to them about her injuries, the degree of them, or anything else that could be used against her later.
If she tells them, “My shoulder hurts a little bit, but I think it’s fine,” and then later discovers that she has a torn tendon in her shoulder, this could lead to complications.

At this time, I would propose that they solely deal with the property damage.

Depending on the extent of her car’s damage, if it’s a total loss, which it doesn’t appear to be, the insurance company would have to go out there, analyze it, establish the worth of that vehicle, and send her a check for that amount.

Now, if it’s just damage, the insurance companies on her side and the other side may want her to go to a body shop and obtain an estimate on what it would take to fix the car, which is great.
She should be aware, however, that insurance companies sometimes have their own body shops who try to charge as little as possible so that the insurance company does not have to pay out more.
So she might want to pick a body shop she trusts and take it there to get an opinion.
Independent body shops will frequently use fresh parts to ensure that they notify the insurance company exactly what has to happen.

She should also take good photos of the car and be aware that she has what is known as a decreased value claim.

A diminished value claim means that if she repairs the automobile and then sells it, the buyer will be aware that it was involved in an accident.
People can find out in a variety of ways.
They’re not going to want to pay as much for that vehicle as they would for a car that hasn’t been in an accident.
So she has a claim for what we term diminished value, and she needs to articulate or assert that claim and say, “I need money to pay me for the diminished worth of this automobile.”

Another thing to keep in mind is that the insurance company should send her a report, if she requests it, that will list all the other vehicles that they have seen in the area with the same make, model, and it helps determine what the value of her vehicle is, and that’s typically with a totaled car, but that’s something she should request as well.

That’s all she needs to know about the property damage right away.
There will be another adjuster because of her bodily injury.
I would advise her not to speak with them.
She can talk to her own insurance company and tell them she was in an accident, that she was injured, and that she probably doesn’t want to go into too many details at this point, but from the opposing company, she just needs to make sure she gets all of her medical records and sends them to ’em, as well as taking good notes about how this injury is affecting her life.

Many attorneys will simply compile information about the medical records and send it to the other insurance company.
They never tell the tale, and there’s always a story behind it that contains a lot more information about how this individual has been affected by the disaster and what they’ve gone through as a result of it.

Have they been absent from work?
Have they lost money as a result of this?
Were they on their way to the airport to attend a wedding but ended up missing it?

People forget that there is a human component to this, and that you may get insurance firms to compromise on their offerings depending on that knowledge.
These are just a few suggestions.
There is a lot of stuff to go over, and I won’t be able to cover it all.
So, if someone, like Emily, has these kinds of concerns and simply wants to meet with an attorney, I’d be pleased to speak with them.
They are welcome to contact my firm.

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