When a car accident occurs (no matter how minor) it is likely to result in some type of damage to person or property. The damages from auto accidents can be costly and it is important to determine who is at fault and should be held responsible for these financial burdens. One of the first steps that should be taken following an auto accident is filing a claim with your insurance provider. However, in order to ensure that maximum compensation is received, it is important to understand how this process should work. Our attorneys at Charpentier Law Firm help our Melbourne clients understand how auto accidents and insurance claims should be dealt with in order to result in fair and just compensation for those who have experienced property damage or personal injury following a car accident.
Filing an Insurance Claim
When an auto accident has occurred, it is important to contact the car insurance provider as soon as possible. We recommend that clients contact their insurance provider immediately upon returning home after their accident. However, before making this call, it is important to carefully review your insurance policy and coverage so that you have a clear understanding of what is covered in your policy. When you do contact your provider, it is important to provide the insurance company with as many details as possible regarding the accident, including the following:
- Where and when the accident occurred
- Who was involved in the accident (provide names, contact info, and insurance info of those involved)
- Witnesses to the accident (as well as contact information)
- Information regarding a police report filed (if applicable)
Be sure to take notes during this conversation (as well as any future communication) and include the name, job title, and phone number of the person spoken to. Keep in mind that insurance providers have a right to record all phone conversations, so it is important not to make a recorded or written statement, sign any releases or waivers, or accept any “final payment” checks without fully understanding your rights and feeling comfortable that a fair settlement has been reached. If there is any doubt, it is a good idea to consult an auto accident attorney who is experienced in these matters.
What if I’m Injured?
In the case of a minor car accident, many people can reach a satisfactory settlement by working directly with their insurance agent. However, if a person is injured (or even killed) as a result of an auto accident, we always advise seeking legal representation. Our auto accident attorneys understand the laws regarding auto accidents and personal injury lawsuits and can work to ensure that maximum compensation is received for all damages suffered.
If you or a loved one has been involved in an auto accident and would like legal advice regarding filing an insurance claim or starting a personal injury lawsuit, contact us at your earliest convenience to discuss the details of your case. The attorneys at Charpentier Law Firm will be happy to meet with you and determine if you have a valid claim for damages.