Road accidents can be traumatic in terms of physical, mental, and financial damage. You can save huge amounts of money with the help of insurance claim in such cases. However, a lot of people fail to get their insurance claim because of some common mistakes they make. Be it a first party insurance claim or a third party insurance claim, you need to make sure that you get it since it will be of great help during the period of crisis. The last thing you would want to suffer is a financial loss when you have signed up for an insurance policy that would cover the costs you bear as a result of the accident.
Here are a few mistakes that people usually make when they are involved in a road accident. These mistakes can cost you a lot of money.
Ignoring the accident
You may think that you are not hurt since you will be in a state of shock after you meet with an accident. When your body recovers from the shock, you will start experiencing the pain of your injury caused due to the accident for which you will need medical help. In such a situation, if you have driven away you will not be able to file a claim with your insurance company and you will have to end up paying from your wallet for your medical expenses. If there’s another driver who holds the majority of the fault during the accident, you can sue him and file an insurance claim with his or her insurance company.
Not calling the police
A police report is very important to file an insurance case. Besides, the police will help you get medical aid easily and will collect all the information regarding you, the incident, and the other people involved in the accident.
Do not apologize to the other person if you really don’t know what happened during the accident. Things can happen really fast and you may feel like it was your fault but before admitting your guilt and apologizing wait for the police to get a grip on what really happened. Even though may feel like you have committed the mistake, it may turn out to be the other way around after an investigation.
Not collecting enough information
If the police are not taking enough actions, you need to approach the other people involved in the accident and get their information. Click a lot of pictures of the scene because you will need them while you’re filing an insurance claim.
Not informing the insurance company on time
If you do not inform the insurance company on time, you may never get your claim. If you’re not well, make sure that someone else you trust informs the insurance company on your behalf.
Trusting your insurance company blindly
Your insurance company may deny your claim and find reasons to not pay you. You must know your rights so that you can get the money you rightfully own.
Not seeking the help of a lawyer for car accident injury
You cannot do everything on your own especially after having been through a rough time. It’s always better to seek the help of a lawyer for car accident injury so that you will get your claim without letting the insurance company trying to fool you.