FAQ’s – Working With Insurance Companies After an Accident

Although car accidents are common, it still comes as a surprise when it happens to you. It can also be confusing, especially if you have no previous experience working with your insurance company to report a claim and collect damages. Chip Nix, Attorney at Law, understands that you want to follow the correct procedures but also don’t want to do anything to jeopardize your claim. Below are answers to some of the most frequently asked questions that people have about this process.

Frequently Asked Questions (FAQ) When Working with Your Insurance Carrier

Q: When should I contact my insurance company to report the accident?

A: Whenever possible, you should report the accident to your insurance company immediately after it happens. Of course, you may need to seek medical treatment first if you’re seriously injured. If that is the case, be sure to report the accident as soon as you’re physically able to.

Q: What should I do if the person who caused the accident doesn’t have insurance or has a policy that won’t completely cover my injuries and property damage?

A: Be sure to let your own insurance agent know this as soon as possible and file a claim with your auto insurance company. All auto insurance companies in Alabama have to provide coverage for accidents caused by uninsured and underinsured motorists, but you must request this coverage for it to be on your policy. Ask your agent whether you have it.

Q: Should I allow my insurance agent to record my statement about the accident or provide a written statement of my own?

A: If in doubt, do not give a recorded statement. Call attorney Chip Nix before providing any type of statement. 334-279-7770

Q: Do I need to tell my insurance company every detail of the accident?

A: You do need to be honest and provide as much detail as you can remember. If you exaggerate or leave out certain facts, your agent could find out later and deny your claim altogether.

Q: Is it important to take pictures of my vehicle and my own injuries after the accident?

A: If possible, yes. Most people carry a smartphone with them that has a camera application. The photos may not be the highest quality, but they will capture the damages before you repair your vehicle and your injuries before they heal. This could serve as important evidence later in your case.

Q: Should I accept the estimate or appraisal that my insurance company offers?

A: Unfortunately, it’s not always in your best interest to do this. Insurance companies want to make a profit, and one way they do this is by denying claims or by paying as little as possible when no justification for denial exists. If you feel the estimate or appraisal is too low, don’t hesitate to get a second opinion.

Q: What is the benefit of hiring a personal injury attorney to assist me?

A: While this might be the first time you have ever dealt with the aftermath of an accident, Chip Nix has decades of experience helping personal injury victims. He’s not afraid to take on insurance companies who may be deliberately giving lowball offers or making things more difficult for claimants than necessary. He will make sure that you understand your car insurance policy and that you receive all benefits you’re entitled to.

Contact Chip Nix Today to Schedule a Free Review of Your Case

Dealing with an insurance company after an accident can feel intimidating. If you feel you’re not receiving fair treatment or you’re considering a lawsuit, contact Mr. Nix at 334-279-7770 to request a free consultation.