Car Accidents and Insurance Companies - Know Your Options
Car accidents and insurance companies are always mentioned in the same breathe, but insurance companies are sometimes more evil than the at-fault driver.
They will do everything possible to keep that money in their account before making a massive payout for an accident.
While the television commercials sound great and are meant to evoke confidence in your company, they hardly want to cut that check.
Every penny they avoid paying out means more money to the bottom line.
There are times when you are literally caught between a rock and a hard place and dealing with the insurance company is beyond your expertise.
The first factor to consider is whether the accident was your fault.
Dealing with your own insurance company is bad enough, but having to rely on another company is a completely different matter.
Depending upon their coverage and the police report, things could get a bit hairy.
You are going to have to stay on top of the opposing driver to ensure everything is being taken care of regarding your reimbursement.
When the accident is your fault, it is important to get as much information gathered as soon as possible.
It is recommended that you keep a camera in your glove compartment or trunk at all times for this very scenario.
It is not unheard of for the victim of an accident to take the opportunity to make other repairs to their car.
Document the accident with as many pictures as possible so other repairs are not worked into the bill.
Sometimes, there is just no avoiding a legal problem.
When this happens, it is time to consult a personal injury attorney specializing in car accidents.
They will know about laws and regulations regarding this matter of which you may not be fully aware.
While there will be a retainer to pay, it is better than being raked over the coals and having your or the other driver's insurance company decline payment.
When accidents happen, it is important to keep a calm head and document everything.
Today's society is lawsuit happy and you need to make sure you are protecting yourself in case the accident becomes a legal matter.
Get the police report, document the scene, contact your insurance company and if necessary, an attorney specializing in this type of law.