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Dealing With Your Insurance Company After An Accident

Posted On behalf of Pfeifer Morgan & Stesiak on Oct 10, 2011 in Advice

It can be difficult to keep a clear head after an accident which has caused an injury, particularly if you're the one who was injured.

However, it's important that after a car accident (or any accident) you get in touch with your insurance provider as soon as possible, and it's even more important to know what to say when you do call them.

Remember, insurance companies do provide a valuable service by helping ordinary people mitigate their risks, but that doesn't mean that they'll make it easy on you when you finally need them.

Here are a few things to keep in mind when you're dealing with your insurance company (or companies):

1. Whoever you're talking to is just doing their job. They don't know what has happened to you, and they don't know that what you're telling them is the truth. More often than not, the representative you'll speak to will be a perfectly kind and helpful individual.

However, part of their job is keeping an eye out for potential insurance frauds. Try to keep calm, and tell them the facts as they happened. It can be helpful to take notes before you call, just to be sure that you don't leave out any important details.

2. Know your policy. Your insurance provider will help you after your accident, but only to a point. They will not provide assistance for things that aren't covered in your policy—and after the accident it's too late to add something to your policy.

When you're speaking with your insurance salesperson, be sure to discuss which policies are important to you, and which you can do without. This will help you in the event of an accident to remember what your policy covers. Keep your records in an easy-to-find place, so that you can look them over before calling your insurance company.

Finally, If you or someone you know has been injured in an accident, contact one of our South Bend personal injury lawyers, Pfeifer, Morgan and Stesiak, and meet with us for a free consultation.

We specialize in personal injury in Indiana, and we work hard to make sure that our clients receive the reparations they deserve.