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After A Car Accident--Communicating With Your Insurance Company

Being involved in a car accident is often a scary and traumatic event that can leave you feeling shaken and vulnerable. After an accident, it's important to see a doctor and to undergo a complete medical exam to diagnose and obtain treatment for any resulting injuries. It's also important to contact your insurance company and report the accident.

Many people are fearful of insurance companies and skeptical about their motives. Sadly, some car insurance providers have rightfully earned this reputation as they are often more concerned about profits than the customers they insure and claim to protect.

The truth is that, if given the opportunity, an insurance company can and likely will attempt to deny or undervalue your claim. To avoid either of these scenarios, it's wise to know what you should and should not say and do when reporting and communicating about a claim with an insurance company.

3 Reasons Why Your Car Accident Claim May Be Denied

1) Delay in reporting an accident-- Barring any serious injuries that leave you unable to communicate, after an accident, it's incredibly important to report and file a car accident claim as soon as possible. Most car insurance policies require that a claim be reported within 24-48 hours of an accident. If this timeframe expires, a claim may be denied.

2) Delay in obtaining medical treatment --Whenever possible, you should go directly to your doctor's office from the accident scene and obtain a full medical exam. The longer you wait to see a doctor and obtain a formal diagnosis, the more likely an insurance company is to attribute your injuries to other causes and deny your claim for medical expense reimbursement.

3) Limited coverage --Insurance coverage costs vary based on how comprehensive the coverage is. Prior to reporting a claim, it's important to understand your policy and what is and is not covered. While you should always be truthful when communicating with your insurance company about an accident, understanding the terms of your coverage can help you avoid inadvertently saying something that provides a window for an insurer to deny your claim.

When it comes to dealing with insurance matters after a car accident, you should keep in mind that insurance companies don't always put you or your best interests first. A personal injury attorney can help you obtain the compensation you deserve and assist with both filing an initial claim and appealing a denied claim.

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To learn more about how we can help you recover compensation after a car accident or other accident, call a personal injury lawyer at our Glendale office at 888-346-7088 or get in touch with us through our online contact form. We offer free consultations, flexible hours and se habla español.

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