Car Insurance Claims: Top Things To Keep In Mind

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The insurance claims process can become convoluted and overwhelming, especially when you are dealing with a medical crisis and/or surviving a traumatic event. It is important that you know the best things to do and pursue when filing a car insurance claim. By following these steps, you are ensuring a smooth navigation through the disability insurance claims process, as well enhancing the possibility for full access to necessary benefits and financial support during a time in need. These tips can save you time, energy, and money; it is important that the majority of your focus is put towards healing and getting accustom to managing your health and wellness after being involved in a car accident.

Car Insurance Claims

It is important that you consider the following pieces of advice when filing a car insurance claim, especially when seeking disability benefits. Remember, it is very important that you are honest and direct with your insurance company; failing to provide the truth can result in the invalidation of your insurance policy and possible claim rejection. By taking into consideration the following points, you are most likely to receive the maximum benefit for your insurance claim, as well as avoid any added stress from other parties involved (ex. the police, your insurance provider).

Informing Your Insurance

If you have been involved in a motor-vehicle accident, it is important that you notify your insurance company as soon as the accident has occurred. It is important to not delay informing your insurance or broker, for your policy may have certain limitations and time limits that can be detrimental to receiving proper benefits. Typically, insurance companies provide 48 hours from the time an accident has occurred to be notified of the event.

Once you have informed your insurance company of the car accident, be sure to overview your insurance policy and any other information documents that clearly state what is covered and excluded from your insurance coverage.

It will also be useful to take note of the name and employee number of any individual you speak with from your insurance company. Keeping a record of any insurance company representative will be useful in case you need to refer to previous correspondence in the future.

Providing Evidence

At the scene of a car accident, gather and take down as much information as possible. This includes:
– Name and contact information of all parties involved
– Insurance information for all parties involved
– Name and Badge # of any Police or EMS services responding to the event
– Details of how the event occurred (For example, the directions and placement of cars on the road after the accident, as well as noted debris and location of such)
– Contact details of any witnesses to the event

One of the best things you can provide in a car insurance claim is photographic evidence. Photographs take note of details you may initially overlook, and you can provide a lot of supportive information backing up your insurance claim by providing such along with your insurance claim. Be sure to take photographs of things such as the damage to your vehicle, the accident scene, and any injuries that were obtained as a result of the accident.

Keeping a Paper Trail

Make sure to properly store in safe keeping any documents you may obtain after being involved in a car accident. This could include things such as:
– Contact information of other parties involved in the accident
– Documents provided to you by your insurance company after the accident
– Police reports, hospital reports and all and any medical documentation
* Receipts

  • Keep copies of any receipts for any expenses you may have had to pay for out of pocket as a result of the car accident. This includes things such as:
  • Fees incurred as a result of trying to pursue your insurance claim
  • The need for lodging and/or meals due to possible displacement after the accident has occurred
  • Any costs endured as a result of staying in hospital
  • Any medical expenses incurred as result of your injuries or recovery

Contacting a Toronto Disability Lawyer

If you have been involved in a car accident and are facing denied benefits, a denied insurance claim, or difficulty with your short-term disability or long-term disability insurance claim, contact an insurance lawyer as soon as possible. If you think that you insurance company is not providing you with the maximum benefit you are entitled to, or you find that your your insurance company is not cooperating, contact an insurance claim lawyer. Being wrongfully denied disability benefits and facing a denied claim happens often, but this does not mean your insurance company can get away with it. Speaking with a lawyer who is experienced with handling insurance claims, and representing those seeking disability benefits, can quicken your claims process as well as ensure full access to benefits.

TSF Law is one of the leading law firms in denied disability insurance claims. Many of our clients have been involved in car accidents and we understand the sensitivity these cases require. Our firm offers free consultations; call us today, for TSF Law is always there for you.