Filing a Car Insurance Claim after an Auto Accident

Dealing with a auto accident lawyers after an auto accident can be stressful, particularly if you’ve been seriously injured. New Jersey auto insurance claims can be complex, and some insurers don’t handle their claims with their customer’s best interests in mind. When presented with a high claim, some adjustors search for reasons to have the claim denied or delayed, even if the claimant paid their premiums in full.

If you have suffered a car accident injury, such as a traumatic brain injury, and are preparing to file a auto accident insurance claim, it’s important to contact a New Jersey car accident attorney to ensure your rights are protected. He or she can deal with your insurance company accordingly and determine if another individual or entity is financially liable for your injuries. To contact a car wreck lawyer in New Jersey today, simply fill out our free case review form.

How to Handle Your Insurance Claim after a New Jersey Auto Accident

When you’ve been involved in a New Jersey auto accident, by l&c autos it’s important to remember that your actions can have a significant impact on the amount of compensation you receive. The following are some tips for dealing with your insurance company following a car accident in New Jersey:

Contact a New Jersey car accident attorney for insurance advice.

Review your insurance policies to determine the extent of your policy coverage. There are two auto insurance options available to New Jersey drivers–the standard policy and basic no-fault car insurance policy (personal injury protection). Each provides a different type of coverage for those involved in an automobile accident.

Immediately notify your insurance company of your car accident. (If you procrastinate, your insurer may suspect that you are being dishonest.)

Take photos of your car, property damage, the accident scene and your injuries.

Record notes about any conversations had with the insurance company, including matters discussed and promises made by the insurer. Note the representative’s name, job title and phone number. If possible, obtain the name of the representative’s supervisor.

Be honest with your insurance company. Failure to be straightforward with the insurance company can invalidate or reduce your coverage.

Retain proof of money spent on car rentals, medical expenses, etc. in relation with the car accident.

Involved in a crash with an uninsured motorist? Suffered an injury in a traffic accident? Our New Jersey auto accident attorneys are offering a free, no obligation legal consultation for those looking for assistance in filing vehicle claims.

What NOT to Do Following a Car Accident in New Jersey

Do not accept an insurance company’s estimate of your losses until you have the opportunity to research the matter yourself. A New Jersey car accident lawyer can help determine whether your insurance company’s offer is fair.

Do not sign a waiver until you consult with a New Jersey auto accident attorney. Even if the insurance company pressures you to sign a release, it is your legal right to explore your options.

Unless you retained a New Jersey car wreck lawyer and carefully weighed your options, do not accept an insurance company’s check, particularly one with the words “final payment.”

Do not supply the insurance company with a statement unless you have determined how you want to continue with the claim. It’s vital to review your insurance coverage policy and rights before proceeding.

New Jersey Car Accident Lawyers

When speaking with your insurer, remember that it’s their job to reduce or deny your injury claim or damage claim. Furthermore, the insurance adjuster, who determines your amount of compensation, has the insurance company’s best interests in mind. Although you should remain polite in dealing with your insurance company, it’s also important to ensure your rights are protected.

If you have been injured in an auto accident, a New Jersey personal injury lawyer can help handle your insurance claim, examine the extent of your insurance policy coverage and determine if you are eligible to file a lawsuit to collect additional damages. He or she can also examine your ability to file a first party auto insurance claim with your insurance company or a third party claim with the insurer of the other driver. To determine if you can file a first party claim, the car accident lawyer will determine whether your auto insurance policy contains collision or comprehensive coverage.

Our injury lawyers have a firm understanding of insurance regulations, New Jersey vehicle law and the tactics insurance companies use to avoid paying a valid claim. For a free legal review of your auto accident insurance claim, contact our car accident lawyers today.