What to Expect From a Car Accident Insurance Claim

When you’re involved in a car accident, one of the first things you’ll want to do is file an insurance claim. If you’re at fault for the accident, this claim will only be filed with your own insurance company and will act as an official record of the accident in question. However, if the other driver was at fault, you would likely want to file a claim with their insurance company. As such, it’s highly recommended that you have a clear understanding of what filling out a claim entails.

What You Need When Filing a Claim

When you’re getting ready to fill out an insurance claim related to a car accident, there is a substantial amount of information that you should have in hand, the first of which involves the number of your insurance policy. You can locate this number on your insurance card. Some other pieces of information that must be included in this claim extend to the date, location, and time of the accident, a description of how your accident occurred, the police report number, and the contact info and insurance of any other parties involved in your accident.

What the Insurance Adjuster Investigates

When you’ve filled out and filed your claim, an insurance adjuster will be assigned to your case. Some of the things that they do during their investigation include reviewing the entire police report, visiting the scene of your accident, interviewing you and any witnesses, contacting medical providers, reviewing medical records, determining fault, and inspecting your vehicle.

The Acceptance of an Insurance Claim

Once the investigation takes place, your claim will either be approved or denied. If your claim is approved, you will be given a settlement offer by the insurance company. At this point, you can either accept the offer or deny it and choose to file a lawsuit. If you’ve been injured in the car accident and believe that you could obtain much more compensation by filing a personal injury lawsuit instead of accepting the settlement offer, consider retaining the services of Las Vegas injury attorneys to make sure that your decision is the right one.