You might be surprised to learn that the average American pays approximately $148 per month for car insurance. While this isn’t an exorbitant amount for most people, it’s still an expense that most households have to budget around. In the event that you pursue the claim filing process for your insurance after an accident, there are certain car insurance claim errors you need to keep in mind. Let’s explore the common mistakes people make when working with a car insurance company and how to avoid them.
1. Saying Too Much
One of the largest mistakes people make is talking too much at the scene of the accident. This is true whether or not the individual was at fault. For instance, let’s assume that a collision occurs between two vehicles. One driver gets out and says “Oh my God, are you okay? What happened? I didn’t see you!”
This can be highly incriminating evidence that could later be used against them in court. Instead, it’s best to interact with the other party as little as possible and call the police instead.
2. Not Gathering Evidence
Photographs and videos of the scene are crucial evidence together. The same could be said about witness statements. It’s in your best interest to document everything you can after the accident. You can even record witness statements on your phone as long as you get permission from the other person.
3. Not Seeking Medical Attention
You won’t be able to receive the proper compensation if you never seek medical attention. Visiting a doctor will create official documentation of injuries that occurred from the accident. It can also help identify and resolve underlying issues you may not notice. Internal bleeding isn’t uncommon after severe accidents, and this could evolve into something much more serious if you don’t take care of it right away.
4. Speaking With Their Insurance Company
It’s essential to remember that the other party’s insurance company is never on your side. They are working for their client, not you.
As such, you should never speak with the other party’s insurance. The only reason they will attempt to contact you is to gather evidence they could use against you later.
To fully protect yourself, you should get in touch with a reputable lawyer. You can visit these auto accident attorneys to learn more.
5. Using Social Media
Speaking about the aftermath of the accident on social media is a huge mistake. During the discovery phase of the claim, the other party’s insurance investigators will scour social media to look for evidence that you weren’t as injured as you claimed to be.
They will also look for evidence that you were the one at fault. Instead, it’s best to avoid talking about this topic completely. You should also avoid posting photos of yourself, as the other party could claim that you don’t look injured in the pictures you post.
Avoid These Car Insurance Claim Errors
Consider the above information about the most common car insurance claim errors. This will help you avoid problems you may have otherwise encountered. From here, you can get back on track as soon as possible.
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