INSURANCE CLAIMS DO’S AND DON’TS
When you need to make an auto insurance claim, you should proceed with care. Your actions may have a significant impact on how your case is treated by your insurance company, and on the amount of compensation you may receive. Contact the legal experts at Sam Harding Law Firm to learn more Do’s and Dont’s of filing an insurance claim.
DO call your agent as soon as an accident or injury takes place.
DO take pictures, if possible, of damage to your vehicle, the accident scene, and your injuries.
DO be honest and forthcoming with your insurer. Even if it is embarrassing, it is better if your insurer knows all the facts. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage.
DO review and understand your coverage before talking to your insurer or your agent. Read the “Coverage” and “Exclusion” sections of you policy in particular.
DO take and keep detailed notes of all conversations with insurance company representatives, and get names, phone numbers, and job titles of people you speak with, including their supervisor’s name.
DO keep all receipts of meals, lodging, and purchases made in connection with time spent pursuing your claim or recovering from your injuries from the time of the covered event until final settlement with your insurance company.
DON’T give any recorded or written statements to your insurer until you are sure you understand your coverage. Remember you are not required to allow the insurance company to record your telephone conversation. If you have doubts, DO consult our experienced attorneys at the Sam Harding Law Firm.
DON’T automatically accept the estimate or appraisal of your losses given to you by the insurer. Insurance companies will often try to get you to accept their estimator’s or contractor’s repair or replacement estimates, which might be a bit low.
DON’T sign any releases or waivers of any kind until you obtain legal advice. A bad financial situation after a major loss may make it seem necessary for you accept a premature, inadequate settlement from your insurer. But you may remember destroyed items after you have signed a release as to payment for your personal property inventory or other claims. For these reasons, it is advisable to consult an attorney at Sam Harding Law Firm before signing a release or waiver. Be sure to read the fine print on any payment from the insurance company.
DON’T ignore time limits set by your policy. Most policies require a signed proof of loss within a certain time limit. Be sure you comply with this requirement unless you obtain a written waiver from your insurance company.
DON’T forget that you have a contract with your insurer. Your insurer has a legal obligation to provide the coverage it promised to you. Be insistent about enforcing that obligation. If you need assistance in doing this, don’t hesitate to contact the experts at Sam Harding Law Firm.
At Sam Harding Law Firm, we understand the problems suffered by people who have sustained injuries from negligent drivers.
We know that insurance companies often try to take advantage of unrepresented clients. We work hard for our clients to get them the money they deserve without their having to go to court. We work to get medical bills, lost income and money for pain and suffering. However, should your case require litigation, we are prepared to take your case to court. We are an ABOTA and AV rated Martindale Hubbel law firm.
Sam Harding Law Firm, your Las Vegas, Nevada automobile accident attorney.