Maximizing Compensation: Tips for Navigating the Insurance Claims Process

It is in your best interest to get the ball rolling on your claim immediately after your car accident. This is why you should never delay seeking help with your claim.

After a car accident, healing from your injuries will likely be the number one most important thing to you. In addition to recovering, you may face financial challenges as you navigate paying your medical bills, losing wages while you are injured, and incurring other damages.

For this reason, you will need to navigate the insurance claims process skillfully to ensure you get compensated adequately by the party who caused your accident and injuries.

A car accident is always stressful, and this stress is maximized when you endure the complex claims process for the first time.

There are ways that you can ensure that you are receiving maximum compensation for your damages after a car accident. Speaking with an Orange County car accident lawyer ensures you get the best possible outcome for your claim.

What to Do Directly Following an Orange County Car Accident

The health effects of a car accident can be overwhelming. Many people are unsure about the steps they should take directly following a car accident, which can be a traumatic and confusing experience. Be aware, however, that the things you say and do right after an accident and in the weeks and months following can determine the compensation you will receive later down the road.

Every driver on our roads in Orange County and beyond is required to carry liability insurance coverage. Liability insurance covers medical and property damages in a car accident. If someone else caused a car accident you were injured in, that driver’s liability insurance coverage can be accessed to compensate your expenses.

One of the best things you can do after a car accident to maximize compensation later is to collect as much evidence as possible. Here are some things you should take note of and document with your phone, if you can, directly after any accident.

  • The years makes, and models of the involved vehicles
  • Names of all active drivers and passengers
  • The exact location of your collision
  • Weather conditions and speeds of the problematic vehicles
  • Any witnesses who saw the accident
  • Anything else at the scene that may be relevant

Immediately after any medical treatment, you want to speak with your insurance company. The sooner you make this call, the sooner your insurance company can get started on your claim. They will help you to navigate the complex and time-consuming process. Your insurance company will likely ask for some of the following information:

  • Your policy number as it appears on your insurance card
  • The date, time, and location of your collision
  • In your own words, how the accident occurred
  • The insurance information and contact for the other involved parties
  • The police report number

How Best Maximize Your Compensation 

You can do some things to help you maximize the compensation you receive for your claim. Here is a list of helpful tips.

Be Honest: Honesty is the best policy when speaking with your insurance company. You always want to be cautious when talking with your insurer about your accident. Stick to the facts and never make offhand comments about who you believe to be at fault. Suppose the liable party’s insurance company wants to speak to you. In that case, you should strongly consider talking to a car accident attorney before you do so, especially if you sustained a severe injury.

Keep All Bills: You should always keep all the bills related to your car accident. Many types of accounts could help the insurance company during the claims process, such as emergency services you receive, doctor visits, medications you take, and more. Providing documentation that is relevant to your claim will only help you get the best results down the road.

Record Injuries: You want to show the insurance company how your injuries have impacted your life. It would help if you kept a journal documenting your injuries and how they affect your daily life, such as how you feel physically and emotionally. This can help you gain compensation on both economic and non-economic levels.

Remain in Doctor’s Care: You should always follow any plan your doctor or medical team may give you to aid your recovery. Continue to follow up for additional medical treatment until you have been told you have fully recovered or achieved the maximum possible recovery from your injuries.

Never Accept Offer Immediately: You should never accept a settlement offer without first speaking with your insurance company. You may be giving up your legal rights and leaving extra money on the table that you may be able to get by not accepting the first offer you receive.

Don’t Speak to Others: You should never speak with anybody publicly about your accident, as it could reduce the compensation you receive later on down the road. This includes not posting about the accident on social media because anything you post could be used to argue that you were liable for the accident.

It is in your best interest to get the ball rolling on your claim immediately after your car accident. This is why you should never delay seeking help with your claim.

Speaking with an Orange County car accident lawyer is in your best interests after an accident to get the results you deserve in your claim.

With your attorney and insurance company’s help, you can receive the results necessary to move forward during these challenging times.

 

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