Insurance Investigation Process for Car Accidents

Insurance Investigation Process for Car Accidents

Car accidents happen unexpectedly and most people are unprepared for the aftermath. The aftermath can threaten people’s futures with severe injuries, deaths, medical bills, car damage expenses, and falling into debt. Some people enter a financial and emotional crisis after such accidents because not everyone has the same resources to deal with these problems when they arise. However, if you can find any evidence that the other driver hit your vehicle, then an Oklahoma car accident lawyer may be able to help you resolve your financial problems through compensation.

What to Do After the Car Accident

The first thing you should do after an accident is to make sure you and anyone else involved in the wreck, is physically ok. If anyone is injured, emergency services should be called. 911 should definitely be called, even if the accident was minor because a police report may be crucial evidence in court. You may need to ask the officer for a copy of the police report. If you suspect that the other driver caused the wreck, then the next step is documentation.

Adequate documentation of the scene will make your life and your attorney’s life a lot easier if the claim goes to trial. This means taking notes on paper or your phone because memory is not reliable, especially if you are in a distressed state of mind. Write down information about the other driver’s contact information, insurance company name, what injuries each person sustained, and anything relevant people said during the incident. If you can, take pictures of the wreckage and injuries you sustained.

What Your Insurance Adjuster Does

Organize what you documented into a personal injury file and send this to the auto Insurance Investigation Process for Car Accidentsinsurance company, who will assign you a claims adjuster. Your claims adjuster will call you when they need more information to verify your claim because they cannot just accept any personal injury claim that comes their way or else they would lose money and be distrusted. They may ask for medical records, a police report, or pictures. The insurance company uses a special investigations unit to check for fraud, so do not lie or exaggerate your claims.

Responding to Claim Disputes

In some cases, the insurance company will deem your claim inadequate and will either offer little monetary compensation for your injuries or none at all. If this is the case, you can try contacting the supervisor, negotiations, going to a small claims court, or talking to a personal injury attorney. A personal injury attorney may cost money but will be able to help you earn more money in the long run by reaching a settlement with the insurance company.

Local Car Accident Lawyer

If you are currently struggling to make the payments for expensive medical bills after a wreck caused by someone else or if your insurance company failed to compensate you for your injuries, then consider hiring a lawyer. Contact the Law Firm of Griffin Reynolds at (405) 721-9500 to find an Oklahoma personal injury lawyer who will help you build a strong case for a fair settlement. We offer a free consultation, so call us today if you have questions.