Trying to get the compensation that you deserve after an auto accident can be a very complicated process if you aren’t diligent. Many drivers end up spending months negotiating with claims adjusters, legal representatives, and other parties that are trying to pay out as little as possible. Those are just a few of the reasons why it is so important to make sure that you properly assess the damage the first time around.
Within just a few days of an accident, you might start to forget some of the most important details. Drivers should try to write down everything they remember about the accident as soon as they have a moment to themselves. You also need to take multiple pictures of your car and any other vehicles that were involved. If the accident escalates into a legal battle, then those documents and photos could be vital to your case.
Getting multiple estimates from a variety of different mechanics can be very beneficial. Even if you don’t end up hiring any of those mechanics, their estimates will include a comprehensive list of everything that is damaged. It will be much more difficult for an insurance company to fight your claim if you have matching estimates from multiple companies. Before choosing a mechanic to fix your vehicle, you first need to contact your insurance provider to make sure that they cover work from that specific company.
Following an accident, each driver should have their own claims adjuster assess the damage on all vehicles. The adjuster’s primary job is to determine who was at-fault, and they will need to collect as much information as possible before making a decision. Some claims adjusters will give you a copy of their report if you ask for one. Those reports include information such as the extent of the damage and how the accident occurred. A personal injury attorney from a firm like Alexander Law Group can help you out if you think you’re not getting a fair estimate.
Comprehensive insurance policies typically include at least some coverage for personal belongings inside a vehicle. When you report the accident to your insurance provider, you must include a list of any belongings that are damaged and missing. That might include wallets, purses, jewelry, CDs, smartphones, and clothing. Adding those belongings to your claim could help your case even if they aren’t covered by either insurance company.
Once you have assessed the damage, you can then start negotiating with your insurance company or the at-fault party’s company. If you feel as if you aren’t being treated fairly, then you should contact an attorney who can help you through this process.
Dixie Somers is a freelance writer and blogger for business, home, and family niches. Dixie lives in Phoenix, Arizona, and is the proud mother of three beautiful girls and wife to a wonderful husband.