When an individual is in an auto accident due to the negligence of the other driver, it may be possible to receive compensation. In order to do so, many individuals choose to file an auto claim.
In order to get the most for a claim, people must understand how to talk with their insurance providers properly. There are a few things to keep in mind when communicating with insurance companies.
When speaking with an insurance agent, it is important for individuals to provide relevant facts and leave out any fluff. Including extra information or elaborating on details for effect could potentially backfire on the claimants. Instead, they should keep their answers direct and factual and make sure the statement for the claim coincides with the accident report. To help make sure their minds are clear and they are speaking intentionally, it may be wise to wait a day or so after the accident to make the claim statement.
Along with knowing the proper protocol after an accident, it is important that individuals know their policy. There are a few key terms that claimants want to be aware of:
- Cap or limit
Claimants should also be aware of any stipulations or requirements for an accident claim and the proper filing procedures. Not understanding these things and abiding by the stipulations may cause the company to decrease a claim amount or dismiss it altogether.
Evidence is key to any claim. If possible, it is beneficial for individuals to collect evidence from the scene immediately after an accident. This includes the other driver's information, pictures, and witness statements or contact information.
By keeping these things in mind, claimants can develop strong claims and properly communicate with the insurance agent. It may also be beneficial to consult with an attorney to see what options are available.