If you have been involved in an automobile accident you are going toned to work with insurance adjusters to settle the claim you file. Quite often, you will not only have to talk with an adjuster from your insurance company, but with one from the other driver's insurance company as well. It is important that you understand how to work with and talk to these professionals to have your claim approved and settled quickly.
If at all possible, take pictures as soon as possible after the accident, at the scene. Make sure to get shots of the vehicles, the streets and any road signs, and any injuries. Talk to anyone who saw the accident and ask if you can record the conversation. You will also need to have copies of all the medical records after the accident.
It can be frustrating and a bit overwhelming to have someone you don't know questioning you about the accident. You may be afraid you will say something wrong that will damage the claim and settlement. To help get you through any meetings, take a friend or relative. You should also have all the documentation there and refer to it any time you feel even a bit confused or unsure. Remain calm and stick to the facts. If the adjuster asks you something that does not seem to pertain to the accident, ask him or her why it is important. The better you both understand what happened and how the claim procedure will proceed, the better the whole process will go.
Stay in Contact
Make sure you get the name and contact information of the insurance adjuster assigned to your claim. While you don't want to bother him or her too much, you should also stay in contact with them. Ask when you will here from them again at the end of every conversation and follow up at that time if they do not contact you. It is also important to contact them any time there is new information, or another expense related to the claim.
Insurance adjusters are tasked with making sure the expenses relating to your car accident are taken care of, however, the limits of any policy must also be taken into consideration. If they offer you a settlement that is lower than what you had anticipated ask them to explain it. Working together, you should be able to have the claim settled in a manner that you understand and not something you accept because that is what was offered. Contact a company, like The People's Choice Public Adjuster, for more help.