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Protect yourself when making an insurance claim after a crash

On Behalf of | May 11, 2019 | Blog

If you’re injured in a motor vehicle accident, your immediate attention will turn to your health. This includes everything from receiving treatment at a local hospital in Bensalem to discussing your long-term prognosis with your medical team.

As soon as you’re able to do so, contact your insurance agent to file a claim. This will put the wheels in motion, thus moving you closer to receiving compensation for your injuries and getting your car fixed.

Making an insurance claim is easier said than done, so here are some key tips to follow:

  • Review your policy: Before you get on the phone with your agent, review the details of your policy so that you understand your coverage, exclusions and anything else that could impact your claim.
  • Take notes: No matter what you discuss with your agent or another insurance company representative, take detailed notes. You may have to turn back to these in the future should a dispute arise.
  • Collect evidence: For example, photos of the accident site, damage to your vehicle and your injuries can work in your favor. Also, request a copy of the police report, as it’s likely to outline the cause of the crash.
  • Tell the truth: When you stick to the truth, you don’t have to worry about saying the wrong thing. And if you’re uncomfortable answering a particular question, don’t hesitate to decline for the time being.
  • Keep receipts: You may be entitled to compensation for expenses connected to your claim. Keep receipts for your rental car, lodging, meals and medical bills. If your agent requests these, you want to be able to produce them as quickly as possible.

Never assume that your car insurance agent is working on your behalf. As helpful as they may be, they’re always looking out for the best interest of the company.

If you’re injured in a motor vehicle accident, share the necessary information with your insurance agent and then follow the steps outlined to receive the compensation you deserve. You have a contract with your insurance company, so make sure you get what’s owed to you.

Visit our website for more information on motor vehicle accidents and related subject matter in Pennsylvania.