Accidents occur on a daily basis, and when you receive injuries due to an accident, it can be debilitating. Thankfully, it may be possible to seek financial assistance during this time.
Though your insurance policy is in place to provide support when you need it most, it may not always work for your best interest. However, there are certain things you can do to help you get the most out of your plan.
Know your plan
You should be very familiar with your plan, knowing what it contains, the limits and any claim requirements. For instance, in the case of a car accident, your insurer may have certain limits on when it does cover an accident and how much it will cover. Being familiar with these facts may help you in determining the proper way to file your claim. It is a good idea to review your claim annually to make sure you remember it and are aware of any changes.
Talk to your insurer
When communicating with your insurer after an accident, you should try to stick to the facts. Be honest and concise, only stating what you know to be true. Also, you may speak with the insurer on a few different cases or have to complete a report. Make sure you are consistent with your information in all of these instances. If you choose to work with an attorney, your attorney may speak on your behalf or may speak to your insurer with you.
Your insurer has certain protocol in place in regards to proper filing. Along with completing any paperwork correctly, make sure you fully understand the filing process. Do you need to submit any additional documentation? What is the common claim timeframe? Understanding and staying on top of these things may help to make sure that the insurer handles your claim in a timely and fair manner.
These tips can aid you in your insurance claim process. If the accident is due to the negligent acts of another party, it may also be beneficial to consider a personal injury claim.