When you have gotten injured in a car accident, you quickly learn that you have to deal with the hassles of insurance companies. Insurance companies do their own investigations when you file a claim, and some of these investigators can be brutal. It is important to understand the process in which an insurance company investigates your accident claim so you can know what to expect.
After You File Your Claim
After you file a claim in the insurance company, they assign an adjuster to your case. It is the adjuster’s job to look at the policy and see what is and is not covered. They may also contact you and the other driver to inquire more about the accident. The insurance adjuster may also talk to witnesses, inspect your car, look at your medical records (with your permission) or even visit the scene of the accident.
Fixing Your Car
To fix your car, your insurance company will initially pay for the repairs and then go after the other driver’s insurance company for payment. You may have to go through an approved auto repair shop or search around for quotes.
Paying Medical Bills
To get reimbursed for your medical bills, it is important that you save every medical bill statement. They may ask you to sign a release form to allow them to see your medical records. You should only do so if your personal injury attorney states it is in your best interest.
Gather Information and Speak to Your Attorney
When the insurance starts an investigation, they will want all the information necessary to complete their research. Sit down and write out the events of the accident, your policy information, and speak with your personal injury attorney before speaking to the adjuster.