While each insurance company will differ slightly as to the method of filing insurance claims, they are all basically tied together by the same principles. As soon as possible after an accident, you will need to contact your insurance company and report your accident. All auto insurance claims require similar information: the nature of the accident, information about you and the occupants of your vehicle, information on the occupants of the other vehicle involved, the other party’s insurance company information, etc. It is important to gather all the necessary information after your accident so that you can make a comprehensive report to your insurance company.
In some cases, you may have to obtain a copy of the police report of your accident (provided that there was one). A police report can provide further details of the nature of the accident so that your insurance company can better determine what happened and who is liable.
After the initial report, the individual assigned to your case will explain that there will then be an investigation by an adjuster. The insurance company will evaluate your claim, the evidence and the ensuing damage (property and bodily). Once an at-fault party is determined, then that individual’s insurance will provide the necessary coverage up to the amount of coverage that is in their auto insurance policy. Your claim may not stop here. There are some cases in which a claimant does not receive the necessary coverage. This can happen for a few reasons.
First of all, the at-fault party may not have been carrying adequate insurance to fully compensate for the damage you suffered in the accident. In other cases, insurance companies could attempt to withhold or “lowball” your claim and give you less than you actually deserve. If you believe that the outcome of your claim was incorrect, you can absolutely seek counsel from an auto accident lawyer from our firm.