Documentation Style and Auto Insurance Claims
It’s hard to think of everything in the event you have an accident. Use the suggestions below for establishing a documentation style that will work for you to protect your interests if you have to make an auto insurance claim.
If it can safely be done, try to take photographs of the position of your vehicle and any other vehicle after an accident before the vehicles are moved. Today’s smartphones allow quick picture-taking that can frequently be accomplished in seconds.
If your phone has a video/sound recorder you can have a witness or the other person in an accident record their statement or read other information for your records such as their insurance company and policy number. If you feel up to it, typing this information into your phone or writing it down is better than merely recording it.
Video other people involved in the accident to illustrate their physical condition after the accident, in terms of whether the person was up and about or speaking and alert and so on. Many individuals opt for making personal injury claims and therefore will consent to being taken by ambulance to a hospital even if they seem fine.
If you speak with a police officer and you are being treated unfairly, your recording device on your phone can also be helpful. You have the right to record yourself in a conversation.
Listen carefully to how the police officer reviews what you’ve told him or her. In the event you believe you are being misquoted then politely say that to the officer at the time rather than assuming you can clear things up later.
Before using an insurance company app to report an accident, assemble the facts as best as you’ve been able to determine them. If instead you decide to call your insurance company to report an accident, do so as soon as possible. You can tell the insurance company that you are unable to answer additional questions they might have at that moment because you’re still shaken. You should always call the insurance company from your cell phone rather than a land line to be able to prove that you called them in a timely fashion.
Confirming conversations with your insurance company or anyone else in writing is a good way of making sure that everyone’s on the same page. If you usually don’t do this kind of written confirmation, record your conversations so that you have a record of what was said.
Try to get contact information for a person at your insurance company including an email address for that person. If you aren’t accustomed to documenting and sending documents back and forth by mail, you can use email to more easily confirm the content of your conversations in writing.
Adjusting your approach to handling documentation involved in making a claim for an auto accident can help you create a complete record that will best protect your rights. Use the suggestions above for creating your own approach to documentation before making a claim after an auto accident.