If you're part of a car accident in Billings, it's important to focus your immediate attention on receiving treatment for your injuries. The sooner you receive treatment, the sooner you'll understand what you need to do to make a full recovery.
As time allows, hopefully sooner rather than later, you'll want to contact your insurance company to file a claim. This sounds simple enough, but it can pose a variety of challenges.
Here are five insurance claim tips you can follow to protect yourself after a car accident:
- Review your policy: Before you do anything, read through your policy to ensure that you understand your coverage.
- Focus on all types of available insurance: Many people turn their immediate attention to the insurance of the at-fault driver, never realizing that there are other options available. For example, uninsured motorist and underinsured motorist coverage, provided by your policy, may come into play.
- Take notes: Every conversation you have with your insurance company is an important conversation. Keep detailed notes of all conversations, including whom you spoke with, what you discussed, the date and time. You may need to revisit these notes in the future if you run into a dispute with your insurance company.
- Collect evidence and information to back up your claim: This can include but is not limited to photos of the accident scene and your injuries, along with bills associated with medical treatment and other expenses.
- Don't give in: You're likely to receive a low-ball offer out of the gate, but accepting this can lead you to miss out on compensation that's owed to you. Don't agree to anything that's not in your best interest.
It's a challenge to juggle so many things after a car accident, but neglecting the insurance claim process can cost you money that can help you financially now and in the future.
If you run into one setback after the next during the insurance claim process, learn more about your legal rights. As you collect more information, it'll become clear as to the steps you must take to receive compensation in Montana and put this stage of your accident in the past.
Read our blog and visit our website for more information on a variety of topics related to motor vehicle accidents.