Strengthen Your Insurance Claim After A Car Accident
In your rearview mirror, you may have seen the tailgating car pull closer to yours and prepared for bump. In another situation, you may have been ignorant of the impending collision, blindsided by the accident. While the events that led to each crash are different, the resulting emotions are often the same: anxiety over the effect of the accident on the health of the passengers involved and the damaged state of your car.
It is true that few drivers will have the time and foresight to prepare for the jarring impact of a motor vehicle accident; however, all drivers can establish a procedure to follow after a collision. Doing so can ensure that you don’t suffer the effects of the accident twice: during the crash and after your insurance company rejects your claim.
Having represented victims of car accidents for over three decades, Jeff Hensley has extensive experience advising residents of Russell, Ashland, Greenup County, Boyd County and surrounding areas as they appeal the insurance claim denials. Drawing on his substantial practice in trial advocacy, Jeff obtained favorable outcomes for his clients both in and out of Kentucky’s courts.
Safeguard Your Claim By Following These Steps
Upon exiting your car after an accident, you might find it difficult to control your emotions; however, remaining in control will help you protect your finances in the future. Car insurance agents earn their salaries by rejecting claims, not by providing payouts.
In following these steps, you can restrict an agent’s ability to deny your claim:
- Document the entire scene.
Take advantage of the built-in camera feature present in most smartphones to record evidence of the accident, including damage done to the car, passengers or the road. Photograph identifying features of both cars so that you can use this information should the other driver challenge your statement.
- Involve a police officer.
Even if you have been involved in a small fender bender, you should call law enforcement to make sure that the accident is handled officially and all of the appropriate information is on file. Should the other driver become irate, you can rely on the police to ensure your safety.
- Obtain the other driver’s insurance information.
In Kentucky, all drivers are required to have car insurance. Many drivers do not. Don’t assume that you will not be responsible for covering the cost of car repair if you did not cause the accident. Request the policy number and the insurance provided of the other driver so that you can transmit this information to your company.
- Refuse to speak to an insurance agent without a lawyer’s representation.
Insurance claims professionals receive training on eliciting responses in a recorded conversation that can disqualify your claims. For this reason, it is in your best interest to retain an attorney to speak on your behalf. Having just left the scene of a car accident, you may not be able to anticipate and defend against such questioning techniques.
It is unpleasant to consider, but in planning for the aftermath of a car or truck accident, you increase the chances that you won’t be a casualty of a collision and claim rejection.