Filing a Car Accident Claim
One of the most important steps following a car accident is filing an accident claim. It’s mandatory for all drivers to inform their car insurance company immediately, regardless of who was at fault in the accident. This is the process of requesting monetary reimbursement for physical damage to the vehicle resulting from the accident.The insurance claim regulations and laws will vary depending on the state in which you live, the severity of the damage, the policy of the vehicle, and the insurance company. If you need to file a lawsuit for an auto accident claim, be sure to contact our San Antonio car accident attorneys to assist you in drafting your complaint.
In a case where both insurance companies of the parties involved in the accident fail to reach an agreement on the cost of repairs and liability, it may be in your best interest to consult an attorney. Because the state of Texas is a “fault” car insurance state, a driver has the ability to file a lawsuit or insurance claim against the driver responsible for the accident.
In order to make the process of filing an accident claim as easy as possible, here are a few of general guidelines you will want to follow.
Be Aware of Your Insurance Coverage
Determining who is to be accountable for paying which damages depends on the type of coverage the vehicle has. While this is information you will need to know while filing a claim, it’s too late to make any changes to the policy in regards to the accident. Because of this, you should consider all of the available options when selecting a policy for the vehicle. Make sure you know exactly what you are accountable for in both instances of who’s at fault in the accident.
Make Sure You Know the Process of Submitting the Claim
While exact procedures will differ between insurance companies, there is one step that is always the same. You will need to contact the company as soon as you are possible. Yes, checking the safety of everyone involved and contacting the local police department are always the first things to do. However, as soon as you return to your residence, you need to contact your insurance company.
You will need to make sure you have details about the accident such as the time and location of where it happened. You will also need your copy of the police report, as well as the names, insurance information, and addresses of everyone involved. If you were able to talk with anyone who witnessed the accident, make sure you provide your insurance agent with details about the incident from their account.
Be Ready For an Investigation
Once you have filed a claim, a claims adjuster will need to evaluate your vehicle’s damage and come up with an estimate of how much the needed repairs will cost. Keep in mind, this person is simply doing their job. Don’t view this person as someone who is making an attempt to short you from what you’re owed. These individuals have been trained to evaluate the situation and provide the facts. Creating difficulty for them to perform their tasks may lead to waiting even longer to receive the money needed in order to pay for damages.
Receiving The Payment
Once a decision has been reached on who is responsible for the accident and the amount needed to pay for repairs and damages, the insurance company of the party at fault is responsible to pay a fair amount to cover all costs.