Speaking with Your Insurance Company After a Car Accident
After an auto accident, one of the first things you will need to do is contact your insurance provider to inform an adjuster of the accident. You must do this under the terms of your policy.
What should you expect to happen after you alert your insurer? The following are a few things for which you should be prepared:
• The insurer may wish to inspect your vehicle: Your insurance provider has the right to inspect your vehicle if it wishes to do so, and then make its own estimates for how much it will cost to repair the damage. Your specific inspection and estimate rights are covered in your policy.
• You are expected to cooperate with the investigation: Once the claims process is underway, you must cooperate with your insurer’s investigation. You must provide full and accurate information regarding the events of the accident, who is likely to have been at fault, the damage done to your vehicle, any injuries you suffered and the medical treatment you received.
• The insurance company may examine your records: Your provider can — and most likely will — review the medical records related to your claim to check the accuracy of information you’ve provided. You will receive a form called an Authorization of Release for Records that you must sign and return to your provider. Typically, the provider only needs access to a few specific records, especially if you only suffered minor injuries and received limited treatment.
To learn more about what to expect out of dealing with your insurance company after a crash, contact a skilled La Plata car accident attorney with Mudd, Mudd & Fitzgerald, P.A.