While there are certain things that you can budget for each month, when an emergency takes place, it can completely wipe out your financial security. Especially when the emergency is something that’s totally unexpected, like getting in a car accident, you might struggle with knowing how to work out all the specifics for how to fund this issue. Luckily, your car insurance can help with a lot of this financial pressure. But to ensure that you’re able to get reimbursed and covered for everything you need, here are three tips for speaking with your insurance carrier about your car accident.
Don’t Give Every Minute Detail On The Phone
When you first call your insurance company to inform them that you’ve been in a car accident, the representative you speak to might ask for a lot of details about the accident. And while you might be tempted to tell them everything that happened, David Goguen, a contributor to AllLaw.com, warns against doing this. Rather than giving your statement over the phone, just tell the representative the basic information they need to know in order to start your claim. Tell them that things are still being investigated and that you’ll know more details later, but right now all you can tell them are the facts. This will help ensure you don’t say something you might later regret or find out to be untrue.
Never Assume All The Blame
Once a car accident has taken place, you might feel like you know where the blame lies and be ready to call an Austin car accident attorney or similar straight away. Getting yourself an attorney can be helpful as they can talk you through exactly what to say and what to make sure you don’t say in order for your insurance to payout. In fact, rather than placing blame, either on yourself or others, Alex Glenn, a contributor to USA Today, advises not assuming or placing blame when speaking to your insurance carrier. Fault is often hard to determine effectively, even if you were there when the accident happened. So until there’s been an investigation and the insurance carrier has stated the wrongful party, avoid making any claims that might suggest one thing or the other.
Consider Using Your Collision Coverage Even When Not At Fault
After the car accident, you’re likely going to be anxious to get the necessary repairs handled and get your car back on the road. But according to i-lawsuit.com, if you’re waiting for the at-fault driver’s insurance to take care of this for you, you might be waiting for a long time. Instead, use your own collision coverage so that your car will be taken care of quickly. While you might have to initially pay your deductible, that should be reimbursed to you after all the dust settles with the insurance companies.
If you’re nervous about how to handle speaking to your insurance after a car accident and how that can affect your future finances, consider using the tips mentioned above to help you navigate these conversations.