Filing an Auto Accident Claim
Reporting a Car Accident to Your Insurance Provider
If you were involved in a car accident, one of the first things you will want to do is report the accident to your insurance provider. There are many different insurance companies. The method by which each company handles claims will differ slightly, but the overall principle is the same. Our firm has assisted countless individuals in filing auto accident claims as well as assisting clients through the entire process to ensure that they get what they deserve, and don't get cut short of their deserved compensation. Our Houston attorneys have literally dealt with hundreds of insurance companies and come out on top. If you've recently been involved in a car accident, let our firm guide you through the process.
In the event of an accident, be sure to collect the necessary information from the other driver(s) involved if at all possible:
- Phone number
- Names, numbers, and addresses of any and all passengers involved in the accident
- Insurance information
To file an auto accident claim, you will need this information. If you went to the hospital to receive medical treatment after an accident, this is also information you will need to report in your claim. In some accidents, a police report is taken. In the event that this happens, this is also important to report to your insurance company.
Once you have all of the necessary information, contact your auto insurance provider. Now you can begin the auto accident claims process. This should be done as soon as possible after the accident. Some insurance companies allow you to file a claim online while others will require doing it over the phone. Your auto insurance company should then be able to walk you through the paperwork. If you choose to enlist the help of an attorney for this part of your case, then the attorney can help you file the paperwork to make sure it is filled out accurately and completely.
Scheduling an Inspection & Speaking with an Adjuster
Your vehicle will have to be inspected for damages in order to conclude a total cost of repairs needed. The insurance company does not conduct this inspection, but rather it is done through an auto body shop near you. While insurance companies cannot tell you where to get your vehicle inspected, they can make suggestions on trusted auto body shops in the area. Once you have a quote that factors in the cost of parts, repairs and labor, you can take this to your insurer.
The next step is to speak with an insurance adjuster. The adjuster is responsible for assessing:
- The accident report
- Your auto insurance policy
- The other driver's auto insurance policy
- Medical costs
- Repair costs
- And more
After assessing the entirety of your case, they will give you a cost estimate. Once coverage is determined, you can make the necessary repairs. Unfortunately, at this part of the process many individuals find that their coverage has been estimated on the low end. In the worst cases, some auto insurance claims are outright denied.
Why You Need Aggressive Representation After a Car Accident
Some insurance adjusters will propose a lower offer to those who are not represented by a personal injury lawyer. If the adjuster needs to be in conversation with a knowledgeable personal injury attorney, they may offer a higher offer since an experienced car accident attorney will know how to combat an unfair proposal. This is why it is best to contact a lawyer immediately after a car accident.
The Houston attorneys at Stern law Group understand the various intricacies of personal injury claims and may be able to help you recover compensation for your injuries and medical expenses. We do not aim for satisfactory results; we aim for maximum compensation for every client every time.
Whether you are just beginning the process of filing an auto insurance claim or you need legal assistance to appeal a denied or low-cost estimate, Stern Law Group is here to assist. We provide free case evaluations and can assess your case to determine the best course of action. Call a Houston lawyer today to see what we can do.