Been in a car accident? Follow these insurance claim tips

A car accident will turn your world upside down, with you immediately realizing that you're being pulled in many different directions. While your health is top priority, you should also find time to file an insurance claim.

Here are five insurance claim tips you can follow to ease the stress typically associated with this process:

  • Don't hesitate: You may not be able to call your agent within five minutes of your accident, but do so as quickly as you can. If your health prohibits you from doing so, ask a friend or family member to step in and assist.
  • Review your policy: Don't assume that you can trust your insurance agent to provide you with guidance and advice. They're working in their best interest, so you need to review your policy to ensure that you understand your coverage. And don't forget that your car insurance policy is a contract, meaning your insurance company is legally required to provide coverage based on the terms and conditions.
  • Take notes of all conversations: Every time you speak with your agent or another insurance company representative, write down whom you spoke with, the date and time and what you discussed.
  • Keep receipts and medical bills: Any receipt associated with a loss that stems from the accident is one that you need to keep. A common example is a rental car agreement. The same holds true of all medical bills, ranging from doctor bills to those for physical therapy.
  • Don't give in: Your insurance company wants to push you around. They want to make you think that their first offer is as good as it gets. Don't give in by letting your agent run the show. You have a policy and legal rights. Stick to your plan so that you receive all the compensation you deserve.

If you follow these five insurance claim tips after an accident, you'll feel more confident in your ability to protect your rights and avoid a situation in which your agent takes advantage of you.

It's a challenge to stay on top of your insurance claim as you attempt to recover from your injuries, but doing so will work in your favor in the long run.

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