After an auto accident, primary contact with your insurance company is somewhat different from your very first call with other side insurer. Your relationships with your insurance company are established by your insurance policy, which is the contract between your insurer and you. You might be obligated by rules of policy to give your company with much more information than what you would to somebody else insurance company. Below are a few things to remember when talking with the insurer after an auto accident. You can even consult an auto accident attorney for this.
Notifications Through Your Insurance Agent
If you provide notice of the accident to your own insurance agent instead of the company’s claim office, ask your agent for letter mentioning the date you gave the information and also confirming that information is passed along to company’s claim department. You should get the confirming letter from claim department. But, if you don’t, contact that department with the information directly.
If you file a claim actually for compensation under the provision of your policy, then your insurance company has the following rights to:
- directly access your work and medical records
- payment from you when you collect it from any liable third party; called “subrogation.”
- cooperation from you
- inspect your automobile.
Release of Work and Medical Records
Virtually all the insurance policies provide the insurance companies the rights to directly examine policyholder’s work and medical records. So, your insurer is probable to send you the form entitled to Authorization for your Records, or something quite similar. If your company sends you this form, you should sign it in case you want the company to process the claim. In contrast, many companies don’t actually bother to get and use your records; it is too much of additional work for them. So, they may just wait for you for sending your income loss information and medical records to them, along with the settlement demand.
Your insurance company might send you the form entitled as Right of Subrogation. The form mentions that if your own insurance company pays any compensation to you under your policy, the company has the rights to recover that wealth from whoever was accountable for the auto accident. After your own insurance company pays to you, it stands inside your shoes with regards to the damages for which it remunerated you. Sometimes this subrogation form will also ask for your own signature, but often it’ll just be served as a notice. But, if you’re asked to sign it, then go ahead – it is the insurer’s right in any case.
Most of the policies say that to be entitled for collecting on a claim on your policy; you should cooperate with insurance company in all its investigation of accident. This means that, if requested, you should give it names of witnesses, medical providers you’re seeing, and statement about how your accident happened.
But, you need to cooperate only in a sensible way. For instance, your insurance company is also entitled to statements about how that accident occurred, but you do not need to write a complete essay or undergo questioning, nor do you’ve to give tape-recorded statements. You don’t need to repeat information that you have given already. And you do not need to place or do the things on company’s schedule. Be very reasonable, but ensure that the insurance company also is reasonable in turn.
Rights to Inspect Your Automobile
If you aim to file a claim under the vehicle damage or collision coverage of your auto policy, you should allow the insurance company to examine the damages before you’ve it repaired.