After a car crash, a representative from an insurance company is an important party you’ll ever talk to. The information you share with your insurance provider determines the amount you’ll end up paying for in terms of your car repair. That’s why you should be cautious of what you say when giving statements to an insurance company. It’s also important to note that insurers want to offer you the lowest possible settlement and will use anything against your claim.
Dealing with an insurance company can seem impossible. Without prior experience, handling car accident claims can be an uphill task. However, an Ohio AllState insurance lawyer understands what insurance firms are looking for, and can handle convoluted negotiations for victims of car accidents.
What You Should Tell Your Insurance Company after the Accident
Your insurer will require some details as part of your claim to ensure you’re receive the much-deserved compensation. While two accidents can’t be exactly the same, some of the basics you should provide entail the facts of what took place, the parties involved and the damages sustained.
- The facts-When sharing the facts of the accident with your insurance provider, you should be concise. Avoid speculating about the extent of the injuries and party at fault. Only provide the date, time, and various conditions that led to the crash.
- Damage-Similar to the facts, keep information about damages simple. You may present photos of your car if you have them along with a brief description of the image. Don’t estimate the damage caused or whose fault it is. You should also mention injuries you sustained.
- People involved-If another driver got involved in the accident, you may need to provide their name, phone number, license plate number, driver’s license number, the vehicle’s model, and the contact details of their insurance provider.
- Identity of witnesses-If any person was near the scene, your insurance company would need their contact information. Onlookers may give details you didn’t know about as well as unbiased information.
What to inform the insurance company of the other party after the accident
To avoid any issues with your insurance firm, keep the following tips in mind when speaking with the other party’s insurer:
- Stay calm-While you may be understandably angry after an accident, you need help from the insurance company. So, remain polite and calm when talking about the accident.
- Know the person you’re speaking to-Before going into details about the accident, get some identifying details from the agent including their name and phone number
- Limit the scope of discussion-You don’t have any obligation to talk about your income, job, or timeline beyond the accident, with the insurance representative. The only details you can share with them include your name, phone number, and address. Also, don’t share excessive detail about the accident; only talk about the basics regarding the crash and injuries.
- Set your boundaries-Most insurance agents may insist that you settle immediately. They may pressure you to consider settlement even before you know about the severity of your injuries or the amount you stand to receive. Don’t give into their settlement requests before understanding a full extent of the claim. Besides, if they ask you to give a recorded statement, don’t do it as you’ll provide a written statement afterwards.
If you find it overwhelming to provide these statements to insurance providers, you can find help from an experienced Ohio AllState insurance lawyer.