Being in a car accident can be a frightening and stressful experience. After the initial shock has subsided, the process of filing an insurance claim can seem overwhelming, especially if you have never been in this situation before.
We know you work hard to keep your record clean and your insurance payment low, but accidents happen even to the safest drivers. If you feel lost trying to navigate the insurance claim process on your own, don’t worry. You are not alone. Givens Law Firm will outline 6 common mistakes to avoid to ensure a smooth and successful car insurance claim process.
Common Mistakes Drivers Make When Filing a Car Insurance Claim
Understanding the potential pitfalls can help you navigate the claims process confidently. There are several things you can do that will potentially derail or delay your reimbursement. Here are some key mistakes to avoid:
Not Reporting the Incident Immediately
Most insurance policies require you to report an accident as soon as possible, typically within 24 hours. Delaying can raise red flags for the insurance company and potentially jeopardize your claim.
Most major insurance companies offer app-based reporting that makes the claims process simpler than having to call in or visit an office. If you are in an accident, you should go through any available app and follow the reporting prompts while still at the scene of the accident as some companies prefer photos of the damage taken at the time.
Not Understanding the Scope of Your Coverage
Take some time to familiarize yourself with your car insurance policy. While you should ideally know what is and is not covered on your policy before an accident, take this opportunity to take a closer look at your policy. This will help you understand what damages are covered, your deductible amount, and any limitations that might apply.
Do not hesitate to contact your insurance company if you have any questions about your specific coverage details.
Providing Incomplete or Inaccurate Information
Honesty is critical throughout the claims process. Providing inaccurate information, even unintentionally, can delay your claim or lead to a denial. It can also risk your policy as a whole, because most insurance companies have terms and policies that allow them to cancel your policy altogether if you submit a false or misleading claim. Be truthful and stick to the facts when communicating with your insurance company.
It is important to keep in mind that conjecture is also considered false information. For example, if you think the other person was texting while driving and that caused the accident, you cannot report this unless law enforcement establishes that texting and driving was the cause of the accident.
Failing to Document Evidence and Damages
Gather as much evidence as possible to support your claim or help the authorities determine fault in an accident. This can include photos of the accident scene, damage to your vehicle, any visible injuries, and police reports. Keep copies of all medical bills and repair estimates related to the accident.
Accepting the First Settlement Offer Without a Thorough Review
Insurance companies are motivated to settle claims quickly and often offer an initial amount that might seem appealing at first glance. However, this initial offer might not fully cover your damages, both current and potential future medical needs.
You should not feel pressured to accept the first offer. They are obligated to cover you fully according to your contract, and you can submit a counteroffer saying as much. Carefully review every offer carefully and consider seeking legal advice to ensure you receive fair compensation.
Not Seeking Legal Advice From the Start
While not always necessary, consulting with an experienced car accident attorney can be highly beneficial. An attorney can guide you through the claims process, negotiate with your insurance company on your behalf, and ensure your rights are protected.
Givens Law Firm: Your Car Accident Advocate
Givens Law Firm understands the complexities of car insurance claims and the challenges you might face. Our experienced attorneys can help you avoid these common mistakes and ensure you receive the maximum compensation you deserve.
Contact Givens Law Firm today for a free consultation. We'll answer your questions, explain your legal options, and fight to protect your best interests throughout the car insurance claim process.
