What to do and what not to do during an auto claim

After a car accident, it is very common that all parties involved try to be proactive and do their best to solve the problem. However, sometimes those actions bring some consequences along, which can result in denial of coverage for not following the proper instructions that your insurance company or insurance agent provided.

Because we don’t want you to go through that uncomfortable experience, here’s seven steps we suggest our clients to follow if you are in a car accident:

1. Call your auto insurance company and report your claim. Some companies don’t have an assistance service in English, while some others do provide it in that language. Make sure you request that service if it’s available
2. Do not take any responsibilities or agreements without previous authorization from your insurance company
3. Wait for the adjuster of your insurance company to arrive
4. If possible, have your policy at hand
5. Do not move your car from the place of the accident until your adjuster or a transit officer arrives on the scene
6. Call your agent to inform them about the situation so they can do the proper follow up
7. Follow the instructions from your insurance company and make sure you are aware of what you are signing. Your adjuster can explain what those documents entail

Although the claim process may differ between insurance companies, it’s usually very similar. So this article may be very useful if you are ever (we hope not) involved in a car accident.

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