How to Survive a Car Insurance Claim Under Investigation
If you’ve been in an accident and your vehicle has been damaged, you're likely hoping to receive enough money from an insurance claim, minus your deductible, to cover the related expenses. It's not always that easy, though, because the insurance company also is trying to save as much money as possible and not pay you any more than they absolutely have to. Expect your insurer to do everything it can to make sure it is paying no more money than necessary, and that might include finding cause to deny your claim in full or in part.
After You File:
Once you’ve completed the process of filing a claim with your car insurance company, a claims adjuster is usually assigned to your case. This person is an employee of the insurance company and is going to do as much work as is needed to pay you in a reasonable amount of time if your claim is legitimate and not pay you anything if it isn’t. This claims adjuster may contact you or your attorney for details and to confirm the information contained in your original insurance claim. If there was a serious accident, the adjuster may request a copy of the police report, contact witnesses listed, or even visit the scene of the accident.
He also is likely to ask you for photos of your car and might inspect it for damages. This is why it’s always a good idea to take photos of your car and/or the other car(s) involved in a collision as soon as you can after it happens.
Hiring a Lawyer:
Whether or not you will need professional legal assistance depends on your individual case and circumstances. In a simple claim, you might not need to consult an attorney. However, if you were seriously injured or your insurance company is delaying the processing of the claim, you might want to consider getting legal help.
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After You File:
Once you’ve completed the process of filing a claim with your car insurance company, a claims adjuster is usually assigned to your case. This person is an employee of the insurance company and is going to do as much work as is needed to pay you in a reasonable amount of time if your claim is legitimate and not pay you anything if it isn’t. This claims adjuster may contact you or your attorney for details and to confirm the information contained in your original insurance claim. If there was a serious accident, the adjuster may request a copy of the police report, contact witnesses listed, or even visit the scene of the accident.
He also is likely to ask you for photos of your car and might inspect it for damages. This is why it’s always a good idea to take photos of your car and/or the other car(s) involved in a collision as soon as you can after it happens.
Hiring a Lawyer:
Whether or not you will need professional legal assistance depends on your individual case and circumstances. In a simple claim, you might not need to consult an attorney. However, if you were seriously injured or your insurance company is delaying the processing of the claim, you might want to consider getting legal help.
source
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