The car accident insurance claim can be confusing, no question. If you were just in a car accident, this page is a continuation of the previous page where we started with the first 5 tips to help you after an accident. There is no particular order, so you can read this page, then head back to the first 5 tips.
So, what is a car accident insurance claim? The claim is a report of an injury to an insurance claim adjuster, and then you will be given a claim number to give to your medical providers for billing.
The adjuster will ask you for a lot of information when you make this call, so don't try to squeeze this call in while you are pressed for time. That will just add unnecessary stress to your day.
Before we go any further: if your accident involved the loss of life, major surgery or disability, please contact an attorney first, before you proceed. Your case will have complications in it that will make the services of an attorney vital. This form will put you in touch with an attorney, no charge and no obligation.
The insurance adjuster is going to ask you: the date of the accident, whether anyone was hurt, how the accident happened exactly, the direction you were driving, the direction the other driver was driving, the weather, the lighting dark, dusk, sunlight - the adjuster is trying to get as much information as possible before you forget anything.
If you don't know something tell the adjuster the truth, you don't know. Perhaps you can find out, but you don't know at this point. Never ever for any reason lie to the adjuster, and do not get angry or aggressive or rude or upset. If the adjuster is driving you out of your mind, politely tell her or him you are not feeling well and you will call her or him back. Hang up and call an attorney, immediately. Use the form above for quick assistance, again, it's free.
There are some basic things to be thinking about if your accident just happened. First, who pays for your medical care will be based on who was at fault in your accident, and what state you live in, and what kind of insurance you have on your own car.
Let me try to get you where you need to go on the site to get the best information. Always start with calling your own insurance company, regardless of who was at fault. If you were at fault, you will need to open a car accident insurance claim with your own insurance.
If you were not at fault, but have PIP coverage, then your medical care may be covered by your own car insurance. Learn more about PIP coverage here.
The PIP page will also have your state listed on it, so simply click onto your state and read about what your state has to say for you after a car accident.
I know not all of these will apply to every car accident insurance claim. But, after years of helping patients, these are the additional 5 tips I think will help you the most as you move through this car accident insurance claim.
Your adjuster can close down your claim if they feel you don't need treatment. Your adjuster will share all your communications with the adjuster for the at fault party. So, be careful, less is more in these conversations.
Do not hesitate to talk with an attorney if you receive notice of an IME. This is a clear signal that the insurance company is going to try to shut down your treatment.
I will be writing about my experience in real time, read along, or check in now and again. I will be posting about my pain treatments, and you can send questions about your own accident at any time for me to include.Click here