Despite setting aside distractions and following the rules of the road as a Texas driver, you may find yourself involved in an auto accident worthy of an insurance claim. You can put your full trust in your insurance company, right?
Before you say the wrong thing, take a look at the information USA Today compiled. Use the tips to improve the chances of your claim going through the first time, rather than receiving a rejection.
Do not take the blame
Even if you know for a fact that you were in the wrong, do not take responsibility for the accident while communicating with your insurance company. You do not know for a fact whether the other driver was engaging in distracted driving or was otherwise at fault for the accident.
Stick to the facts
Only relay your side of the events and let your insurance agent draw conclusions from there. You may think yourself helpful by volunteering extra information, but doing so could backfire on you. You have to bear in mind that your insurance provider is a business, and just like any business, they want to make money, not lose it. Your seemingly helpful details could end up twisted against you to save money at your expense, such as hiking up your rates.
Support your claim with the help of a medical professional
If you received injuries during your accident, go ahead and get a full examination from a doctor. Her or his report can help boost the legitimacy of your claim and better ensure you receive your full compensation. Despite your being proactive, you may have to see another physician connected to your insurance company.
This information is only intended to educate and should not be interpreted as legal advice.