What to Avoid When Handling an Auto Insurance Claim

Here are some of the things that you shouldn’t do when filing an insurance claim.

If you’ve never accessed your auto insurance in New London, Connecticut before, then the idea of filing a claim might be scary.  However, the claims process is actually pretty straightforward as long as you avoid making silly mistakes.  Here are some of the things you shouldn’t do when dealing with a car insurance claim.

  • Don’t Attempt to Forgo Insurance

After being involved in an accident, many drivers attempt to settle accident costs between themselves without getting their insurance involved.  However, doing this is risky.  Oftentimes, car damages look better than they seem, and the money that the other driver gave you for repairs might not be enough.  At this point, it would be too late to file a claim with your insurer, so you would be forced to cover repair costs on your own.  Additionally, if you suffer latent injuries that you discover after you and the other driver exchanged money, then there’s no way to get your medical bills covered.  Again, you would be left paying for these expenses out-of-pocket.

  • Don’t Wait to Call Your Insurer

It’s important to call your insurer and file your claim as soon as possible.  This ensures that you can remember details accurately, so your claims adjuster gets the full picture.  Additionally, most auto insurance policies include a clause that requires car owners to report claims “promptly.”  Usually, this means reporting claims within 24-hours of the incident or risking loss of coverage.

  • Don’t Place Blame or Admit Fault

When filing your claim, it’s important that you recount the details as accurately as possible without accepting blame or accepting fault.  It is up to the police and your insurance company to determine who, if anyone, was at fault for the accident.  So, avoid letting your own opinion to bias your account, and let your insurance company conduct their own investigation.

These are some of the things that you should not do when filing an auto insurance claim.  Do you have more questions about your auto insurance in New London, Connecticut?  If so, then contact the experts at The Reardon Agency for assistance today.

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