Automotive Insurance Claims

Automotive Insurance Claims Attorney Philadelphia

Frequently Asked Questions

A Car Accident Happens: First Steps

The inconvenience of an accident means that you now have strict procedures to follow. After you find yourself in a car accident, get to a safe location. If something happened to your car or yourself in the accident, it may be a good idea to call the police to file an official police report. A police report is not necessarily imperative. It is a good idea to present your automotive insurance company with a police report, however. A formal policy report looks more official in case of dispute. Some insurance companies may require a report.

Further evidence is helpful to your claim. Make sure to take plenty of pictures of any damage. If there are any witnesses make sure you have their information in case the insurance company wants to speak with them. Keep all the documents together in a safe place.

Dealing With the Insurance Company

After contacting the police, you should contact your insurance company. The most important thing is honesty. Defrauding or attempting to defraud an automotive insurance company is a felony in many states. Even if the fault is not determinable, you should still contact your automotive insurance company. In the case of an underinsured/uninsured driver, your insurance will assist you.

First, make sure you know your policy. If you feel entitled to certain benefits, like no-fault coverage, then make sure to make that known to your insurance company. Your insurance company will take down all your information. They will ask you for the specific details of the incident. Be sure to be honest and tell them as much as you can. The more information you can give, the better. It will help the insurance company figure out the claim quicker. It may be a good idea to get the name of the representative you talked to. Write down everything they say and repeat it back to them to verify that you have everything right.

It is important to note, DO NOT SPEAK with the Insurance company of the other driver. They will record your conversation and try to use it against you. Speak with an accident attorney first so that you have someone in your corner fighting for your rights.

What Happens With the Claim?

Your insurance company may assign your claim to an insurance representative. The job of the representative is to save the company money, determine the insurance company’s liability, and put a monetary value on your claim. At some point, your company’s representative will contact you. Their agent will ask you many questions about your claim. Their goal is to weed out fraudulent claims.

They may even call you into an examination under oath. If you find yourself with a summons to an examination under oath, do not hesitate to contact legal representation. During this whole process, the insurance company is not on your side. Have a lawyer fight for you. It will make the process less stressful.

The insurance representative will offer you an initial settlement offer that is congruent with how much they think the claim is worth. If the amount is not enough to cover everything and you feel entitled to more, make sure to deny the initial offer. Contact an attorney immediately to discuss the validity of your claim. An attorney will have the negotiation skills necessary to get your insurance company to comply.

What Should I Do Next?

Do not settle for less than you think that your claim is worth. Insurance companies may seem like they are on your side, but they are still running a business. Businesses aim to be profitable above all else. You deserve a dedicated and professional automotive claims lawyer behind you. Austin R. Freundlich, Esquire and Gregory C. Littman, Esquire are experienced personal injury attorneys. Contact us today for a free consultation and case evaluation.

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