Easy Mistakes To Avoid When Filing Auto Insurance Claims
It isn't every day that people file insurance claims. As a result, it is easy to make a mistake that you may not realize is a mistake. When you are involved in a motor vehicle accident, the following are some simple mistakes that are easily avoided.
Modern smartphones all have cameras and can take high-quality photographs and videos. When an accident occurs, always make sure that someone takes photographs and videos of the vehicles, accident scene, and any visible injuries.
It is rare when there aren't witnesses to an accident. While you are waiting for police, fire, and insurance adjusters to do their work, gather the contact information of any eyewitnesses and ask to record their statements with your smartphone.
Ignoring the Potential for Injuries
"How do you feel?" It's one of the first questions an insurance adjuster will ask. If asked right after the accident, you may still have significant adrenaline coursing through your veins to mask any real pain. Even if it has been days since the accident, never say "I'm fine," or "I'm ok." These can be interpreted to mean you suffered no injuries. Rather, when asked this question say, "I'm waiting for the doctor to assess my health."
Never lie to an insurance adjuster, the police, etc. This can void your claim and result in significant legal entanglements. Remember, if you don't know the answer to a question, the best answer is always, "I don't know."
It can be tempting to give all sorts of information to an insurance adjuster when filing insurance claims. But, it is always best to keep your answers and the information you provide short and sweet. Yes, no, maybe, and I don't know are perfectly acceptable without a lot of commentaries.
Not Keeping Records
When you are involved in an automobile accident, you need to have plenty of documentation to support the veracity of insurance claims, medical bills, property damage, vehicle maintenance, etc. The more thorough your records, the faster your claim will be processed and the less likely it is to be challenged or denied.
Do you have questions about insurance claims following motor vehicle accidents in Texas? Contact Welmaker Injury Law at (210) 828-6033 and we will be happy to assist you.