Approximately 50 million people are injured in car accidents every year in the US. Even though most of them involve damage to the vehicle, one in three involves personal injuries to the occupants. Plus, two out of three of those people end up succumbing to their injuries.
If you find yourself disabled or seriously injured after a car crash that wasn’t your fault, you can protect your interests and ensure you can claim medical insurance benefits by following these steps:
Step 1 – Check for Injuries
The first thing you need to do after you are involved in an accident is to check yourself and the passengers for injuries. If you are seriously injured, try not to move till the police and paramedics arrive. If you are fine, get on the phone…
Step 2 – Call the Police
Whether the accident is a fender bender or a serious collision, call the police immediately. This is a legal requirement in most states. The officers who respond to your call will report and document it. If the police don’t arrive on time, get to the nearest station to file a report yourself. This is an important step because your insurer will ask for a copy of the report during the claims process.
Step 3 – Limit Your Conversation with the Other Party
Talk to the other party that was involved in the accident but keep conversation to a minimum. That way you will not admit fault or liability in any way. Just discuss the accident at length with the responding officers and paramedics that arrive at the scene as well as your insurance representative.
Step 4 – Get the Facts
Most accident victims ignore this step because of the stress, but the information can turn a claim in your favor. This includes names and contact details of everyone who is involved in the accident. This also includes a description of all of the vehicles involved in the crash, license and registration, names of insurance companies and the identification number of the vehicles as well.
(Just noting down the license plate number won’t help. Most insurance companies only note down the car type and the ID number, not the plate number).
After Filing an Insurance Claim…
Once you have all of the information you need to file a claim, do so immediately. After you have done that, a claims adjustor will be in touch with you either in person or via the phone. You may also be asked to fill out a claim form to support your side of the story.
The claims adjuster will determine how much of your claim is covered by your insurance provider. He/she should also explain the coverage provided as per policy and guide you through the claims process. If you have any queries, you can always ask them to answer them for you which they have to do so legally or you can ask a law firm. This law firm can help.
It can seem daunting to know the right things to do after you are involved in a car accident. However, the above points should help to guide you through the process.
published gloucestercitynews.net | May 13, 2019