When people file auto accident insurance claims, especially ones involving injuries, they often worry that they did enough to get it right. There is always a risk that an insurance provider will reject a claim, but there are a few things you can do to improve the chances of success. Here are four ways you may be able to increase the odds.
Seek Immediate Medical Attention
Even if you feel completely sure that you don't have any injuries, get professional medical attention as soon as possible. One of the most common reasons an insurance company will reject an injury claim attached to an auto accident is a failure to seek or accept medical help.
The argument from the insurer's perspective is that any gap between the time of an incident and a medical exam raises questions about whether the injuries arose from the auto accident. Your goal is to draw a straight line from the accident to your injuries to reduce an insurer's ability to question your claim.
Find Out People's Names
If a police officer responded to the incident, get their name. The same goes for EMTs, tow company drivers, and witnesses at the scene. Don't assume you can always call a business or police department and catch the person. Ask for their name, what they do, and a contact number. This will make it much easier to follow up with the case if there are some unanswered questions.
Bear in mind, you don't need to prioritize getting this information over any immediate medical concerns. Get your medical situation under control, and then ask for names and details whenever you get the chance.
Many people carry cameras with phones. Even if you don't have one, ask someone who does to take pictures and send them to you. Immediate photographic evidence of an auto accident scene may be invaluable after the area is cleaned up.
Consult with an Attorney
Particularly if an insurance company comes to you with a settlement, it's wise to get a professional's opinion before you agree. They can help you understand what your rights are and how similar claims have worked out.
Especially if it's early in the process, a quick settlement isn't always a win. You may have long-term medical issues you haven't had time to uncover, even if everything feels alright. The statute of limitations will give you time to see where things stand so there isn't a big rush to settle. For more information, contact a company such as Edward M Graves.