Even if you have a perfect driving record, accidents can happen out of the blue. The worst part is when it’s not your fault and their insurance company drops the ball, you might be left wondering where to turn for help.
Here are four things you should do if you’re involved in an accident and your insurance company isn’t being helpful.
Get the Other Party’s Information
This should be a no-brainer, but it’s important that you try to get the other party’s information. This information is vital when trying to get money to pay for repairs and medical expenses. The information you will need documented includes:
– Their license plate number
– Driver’s license
– Full name
– The insurance company they use
– How to get in contact with them
– Any damage done to their car
Stay Where You Are
If you’re looking to reap the maximum profit, you must stay at the scene of the accident. Leaving the accident site, especially without giving out your information, is considered a crime in most states.
It also reduces your likelihood of receiving any money and makes your insurance company wary of you. In events like this, you must prove that you’re responsible because it makes filing a claim easier.
File a Claim
Whether you are injured or not, you can still file a property damage claim. Filing an injury claim along with a property damage claim can help increase the amount of money owed to you. Filing property damage claims aren’t always cut and dried. They all depend on the scenario such as car damage, injuries, and who is at fault.
You can easily contact your insurance company and the insurance company of the at-fault party to file a claim, but they may not be willing to go through with it. If this occurs, you’ll probably need to hire a lawyer as it is your best bet of getting anything if the insurance company isn’t cooperating.
Get a Lawyer
Unfortunately, there are a few insurance companies that aren’t as empathetic as others. This can become a huge roadblock when trying to receive compensation, especially if you or anyone else with you was injured in the accident.
If your insurance company is being unhelpful, your best course of action is to hire a lawyer. Lawyers are masters of their craft when it comes to negotiations for car accident claims and settling court cases. You’ll need to find one you can trust so you can earn what’s rightfully yours.
If you’ve been involved in a car accident, you need to act quickly. Once cleared medically, take the appropriate legal steps necessary to receive the financial restitution you deserve.
Author information: Anita is a freelance writer from Denver, CO. She studied at Colorado State University and now writes articles about health, business, family, and finance. A mother of two, she enjoys traveling with her family whenever she isn’t writing. You can follow her on Twitter @anitaginsburg.