- Contact the insurance company as soon as possible after the accident. All companies require claims to be filed within a certain amount of time after the accident. Do not wait too long to file a claim!
- Read your insurance policy to determine insurance coverage, in order to make the proper claims.
- Tell the insurance company all of the details of the accident, including the insurance information and coverage of the other parties involved.
- Keep a written account of conversations with employees of the insurance company.
- Save all paperwork relating to your insurance claim, including medical bills, repair bills and other expenses.
- Check to see if you have additional insurance policies, which may offer coverage for the injury or accident that occurred.
- When talking with the insurance company:
- DO NOT admit to any liability.
- DO NOT accept any estimates from your insurer about a settlement or the value of your claim. Do your own investigation or consult an attorney.
- DO NOT sign any sort of insurance release or waiver.
- DO NOT accept any settlement, unless you feel it is complete compensation for your losses.