How to Get the Most from Your Insurance Policy in Case of an Accident
Being in an accident is never easy. Things can be even more frustrating and confusing if you’re having trouble getting what you need (and were under the impression you were promised) from your insurance policy. Recovering from an accident or an injury takes time and calm—two things you might not feel like you have if you’re financially stressed and unable to work at your normal pace.
The following will explore some of the steps that you can take to ensure that you get the most from your insurance policy in the event of an accident. Of course, every accident is different, so every insurance claim is also different. For the most relevant advice regarding you and your particular situation, reach out to a legal professional.
Seek Medical Attention
Even if you feel like you’re okay after an accident, it is always wise to seek medical attention. Some types of injuries are odd and take time to reveal themselves. People experience states of shock where they can’t feel their injuries in full. Ensure that you have the medical records to prove you’ve done your due diligence regarding your accident. Make sure to share with the doctor all signs and symptoms you have—anything that feels different than usual—it can be challenging for us to recognize the symptoms of certain types of injuries.
Gather As Much Evidence As You Can
After the accident, you’re going to want to get together as much information about the event as humanly possible. This means all the basic information like the other party’s driver’s license number and license plate number but also photographs and video of the vehicles and layout of the scene. Make sure to get both wide shots and close-ups and record things involved (like bent stop signs). An attorney will want to see these things. If you’re unable to do this yourself, call a friend and ask them to do it.
Reach Out To An Attorney
If you’ve been in an accident, one of the best things you can do to help make sure you get what you’re owed is by getting a lawyer in your corner. It’s crucial that when you’re looking at attorney’s you look for someone who specializes in the type of law that you’re dealing with (accidents and insurance claims). Each area of law takes years of highly focused practice and training to master. Many people are surprised to discover that lawyers hire other lawyers to help them with legal proceedings outside of their specialization. Beyond this, experts at https://www.marksandharrison.com/ emphasize that you want to find an attorney who practices in the state where your claim will be processed. The laws and regulations vary between states, and even in cases where the law is the same, the precedents set and the interpretation of the law can be different.
Stay Off Social Media
This one might be a little irritating, but you need to stay off social media for a while after an accident that you’re pursuing insurance compensation for. Everyone knows how to use social media now, including lawyers and employees at your insurance company. You could be accidentally ruining your chances of the settlement you deserve without even knowing it. You don’t want a random update to be the reason you didn’t get what you needed after your accident.
Save Up All Your Receipts And Proofs Of Purchase
Even if something doesn’t feel relevant to your insurance claim, it might be. The lunch you had while you were in the next town over and in the hospital? The gas money your neighbor spent to get you to work the following day? The Advil you bought to deal with the headache of it all? You might be able to get some of these expenses covered, and the receipts can help indicate your accident’s true cost. An attorney will help you calculate more accurately and measure out the cost of things like stress and pain, which can be really hard to do independently. Having receipts ready can help speed up the process.
With the above tips followed, you can rest assured that you’re doing everything you can to increase your chances of being given the maximum payout possible by your insurance company given the circumstances of your accident. It is also important to note that many legal, medical, and insurance procedures have been slowed due to the coronavirus pandemic. Try to get everything on this list together sooner rather than later and follow your attorney’s directions quickly to help keep things from feeling too slowed down.
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