Choosing Better Insurance Coverage

Few things are more important than having the right insurance coverage. About ten years ago, I was involved in a near-fatal crash where I experienced traumatic physical and emotional injuries. It was really challenging for me to endure the hospital stay and subsequent physical rehabilitation, but with the help of my medical team and my insurance company, I was able to overcome the challenge and completely recover. This blog is all about the importance of choosing the right insurance plan so that you can get on with your life and enjoy those precious years with your family and your friends.

3 Tips For Filing An Auto Accident Claim

Insurance Blog

Being involved in a car wreck can be a difficult time.  You will want to recover your financial losses as quickly as possible. The most efficient way to do so is to file an insurance claim with your provider. This will typically require you to meet with a public adjuster for the company that will evaluate your case. It's in your best interest to be as prepared as possible for this time. Knowing how to do so will enable you to build a strong case.

Tip #1: Documentation

You will want to have a copy of the police report on hand when you meet with your adjuster. This will identify the driver that was at fault for the accident, and this is critical for your insurance company to know.

Keep in mind that if the accident wasn't your fault, your insurance rates may not increase. On the other hand, if you're to blame for the wreck, you may be faced with paying more to be insured.

Tip #2: Take photos

The insurance adjuster may want to view your vehicle to see the extent of the losses up close. If this person is local to you, then you can usually expect this to happen.

However, if it's difficult for you to meet with your adjuster, you should have several photographs that you can mail or scan to this person. These may include the damages to your car and any injuries that you suffered due to the accident.

Be sure to take several photographs when the wreck occurred in order to have these on file to use later.

Tip #3: Receipts

The time to show your medical receipts and other costs for the accident is when you meet with the insurance adjuster. Having this proof with you will provide you with a greater opportunity of being able to get reimbursed for your case quickly.

It's also ideal to have an estimate from your auto repair shop of what it will cost to repair your vehicle or have it replaced.

Being prepared before meeting with your public adjuster is ideal to enable you to be reimbursed as quickly as possible for your financial losses. Take the time to gather your documents beforehand and you may have an easier time recovering money for your medical bills, automobile damage and other costs that you've endured simply because you were involved in an accident. 

For more information, speak with a company like Skipton Claims Management.


11 July 2016