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What Your Insurance Company Is Going To Want To Know Following A Car Accident

9 December 2016

Deann Miles

After you have been involved in an auto accident, you are going to need to contact your car insurance company immediately and let them know what happened. When you contact your insurance company, there is specific information that they are going to want to know. Here is a quick overview of what information you need to be prepared to tell them about.

#1 The Location Of Your Vehicle

The first thing that they may want to know about is the location of your vehicle. They need to know if your vehicle is still at the crash site, sitting in your driveway, or if it was towed away somewhere. This will allow your insurance company to know what steps they need to take next in regards to your vehicle.

For example, if your vehicle is located at the crash site, your insurance company may need to send out a tow truck and get it towed to one of their preferred body shops or a safe neutral site while you decide what you want to do with your vehicle. Or if your vehicle was towed by a city-owned tow vehicle and is currently being stored somewhere where you would be incurring daily storage fees, your insurance company could help you tow it to an auto body shop for repair.

#2 The Damage To Your Vehicle

Second, your insurance company is going to want to know how damaged your vehicle is. They are not expecting you do give a full, detailed analysis. They are just looking to get a general idea of the damage that you saw when you looked at your vehicle. They are going to want to know if you were able to drive your vehicle away from the accident site or if you were not able to drive your vehicle away from the accident.

For example, if you were not able to drive your vehicle or if you didn't feel safe driving your vehicle, your insurance company can help you get a rental vehicle. If you have rental vehicle coverage on your vehicle, your insurance company will pay for the rental. Even if you don't have rental vehicle coverage on your policy, your insurance company can help you obtain a rental vehicle at a discounted price.

#3 Personal Injuries

Third, your insurance company is going to want to know if anyone was injured. This is where you are going to want to be careful. Do not tell your insurance company that you are fine if you are still seeking medical treatment. You don't want to reduce the chance that your insurance company will cover your injuries and medical treatment. Instead, let your insurance company know that you are continuing to seek medical care at this time. You don't have to provide a lot of details during your first phone conversation post-accident.

Finally, you can always ask your attorney to sit in on any phone call that you have with your insurance company to act as a witness to the conversation and to ensure that your interests are protected throughout the conversation.

Contact a firm like Law Offices of Burton J. Hass to ensure you are not being taken advantage of, by your insurance company or someone else's, and so you can seek proper compensation following an accident if necessary.

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