If you’ve been in an auto accident, one of the first steps is contacting your insurance company. But when exactly should you notify them? And how do you protect your interests while doing so? Here’s what you need to know.
Notify Your Insurance Company Immediately
The moment you’re involved in an auto accident, you should report it to your insurance company as soon as possible. This is crucial, even if you haven’t yet hired an attorney. Informing your insurer allows you to open a claim, and you’ll need a claim number for processing any potential claims. Provide basic details about the accident—when, where, and how it happened—without going into too much detail.
Why You Should Be Cautious When Speaking to Adjusters
While it’s essential to notify your insurance company, it’s important to be cautious about what you say. If your insurance company asks to record your statement, you have the right to decline. Stick to the basic facts and avoid making any admissions that could later hurt your case.
In particular, you should never speak to the at-fault driver’s insurance company directly. Their goal is to save their company money, which often means minimizing or denying your claim.
Key Questions to Ask Your Insurance Company
When you contact your insurer, be sure to ask the following questions:
- Do I have rental car coverage if my car needs repairs?
- What is my deductible?
- Do I have Med Pay (medical payments coverage) to help with your medical bills?
The Importance of Hiring an Attorney
While it’s fine to contact your insurance company yourself, it’s in your best interest to have a lawyer handle the insurance negotiations. At Stewart & Stewart, we can help navigate these complex issues, ensuring you receive the compensation you deserve.
If you’ve been in an auto accident, call us at (866)-925-3012 or visit us at getstewart.com. We’re here to help!