Auto Insurance Claims: 6 Dos And Don'ts To Keep In Mind

When you have been in a car accident, one of the people that you will communicate with is your insurance agent/company. As you maneuver through the insurance claims process, it is important that you keep in mind the following dos and don'ts to maximize the chances of success.


  1. Do make sure that you give your insurance agent a phone call as soon as possible after the automobile accident or accident-related injury occurs. Make sure that you receive medical treatment first, if necessary, but it is important that you do not forget about calling your insurance company so that they can begin the claims process. While you won't be in the best state of mind, try to take note of the name of any insurance representative that you talk to.
  2. Do take the time to take photographs of damage to your vehicle, the scene of the accident, your injuries, and anything else that may prove to be beneficial to your case. If you are unable to do this, find someone that can.
  3. Do make sure that you are familiar with your insurance coverage and what it entails. For example, does your insurance cover replacement or actual cash value? If your coverage is for replacement, then it is imperative that you do not allow the insurance company to trip you up and try to get you to settle for actual cash (depreciated) value for your personal property loss. Depending on the details of your policy, though, your replacement coverage may require that you replace lost items prior to receiving a full reimbursement.


  1. Don't provide any written or recorded statements to your insurance company until you are 100 percent familiar with your insurance coverage. If you do not fully understand something, consult with an attorney. Also, don't forget that you are never obligated to participate in a recorded conversation with your insurance company.
  2. Don't sign any type of waiver or release until you have consulted with a lawyer. It is understandable that you are emotionally and financially suffering from such terrible circumstances, which could lead you to accept an inadequate and premature settlement. Before signing or accepting anything, make sure that you read the fine print.
  3. Don't forget that you have a time limit for bringing legal action against the insurance company if they are failing to meet your needs. Depending on your policy and where you live, this could be as little as one year. It is recommended to consult with an attorney as soon as possible if the insurance company is not satisfactorily settling your claim to avoid losing out on your right to compensation.

For more information, contact your local personal injury attorney.