Most of the Accident insurance claims are meant for minor fender benders, broken windshields etc. At times you may need to file claims regarding your medical costs, property damages or wage losses. You might need to push your carrier and have patience while working towards your claim. You may follow a few steps to ensure a good compensation-
Contact your insurer
You shouldn't hesitate to call your insurer even when you're at the scene of the accident. Remember, their claims departments usually work for 24 hours each day. Prior to your call, make sure you possess all necessary information pertaining to the other party. Collect their names, policy number and contact information. You must try and get the contact information for their insurance company. All these information could be really helpful for the department that handles claims.
Fill out your papers
It's truly important that you fill out all the necessary paperwork and that too without any mistakes. These days a lot of claims are getting denied on the basis of technicalities. If required, get in touch with a personal injury lawyer and get your papers reviewed before you submit them.
Collect all statements
All insurance companies will demand a statement after you meet with an accident. These statements are recorded, so make sure that you don't utter anything that hold you liable in the eyes of your carrier. Give a simple and honest reply to any question that your adjuster asks.
Maintain your records
Maintain a file wherein you keep all the documents associated with the accident. Begin with the contact information of the other party as well as accident report. Keep all your medical bills and receipts in this file. Make sure, you add copies of documents that you may file regarding disability and time off.
Clarify your doubts
Go through your policy papers and check if you're missing out on something. If you have any doubts, get it clarified then and there. You may ask any question to your adjuster. If you're not pleased with the way he's handling your claim, you may seek the help of an attorney.
In the end, if the settlement offer seems unacceptable to you, go to a court. Be careful while picking your accident attorney. Following each of these steps can be vital for you to achieve a successful settlement.