You’ve just experienced a motor vehicle accident, and while you are okay, you are wondering what to say about the accident when speaking with the insurance company. Insurers have a reputation for being difficult to work with, but if you take the time to understand their process and what they are looking for in an accident report, things can be a lot easier for you.
How should you answer the insurance company’s questions?
When you speak to an insurer, prepare to answer some standard questions about the motor vehicle accident. They will want to know what happened, the parties involved and the damage resulting from the accident. You should also have a good understanding of your own policy and what it covers. If you are not sure how something works, speak with your insurance agent before you talk to the insurer.
Should you provide written statements to the insurer?
Many people are under the impression that they should provide a written statement to an insurance company immediately after a motor vehicle accident. This is not always the case. If you have an attorney, you may want to ensure they review your recorded or written statements before you send them to avoid any legal issues down the road.
In your statements, it’s important that you tell the truth. If you do not, it could lead to further legal issues down the line. If you are not sure if something is true, be honest and say that you don’t know; it’s better to be safe than sorry.
How should you report the accident to the insurer?
When you report the motor vehicle accident to the insurance company, be sure to have all of your information ready. This includes the date and time of the crash, the address where it occurred and a description of what happened. You should also have your driver’s license and registration handy in case the insurer wants them.
While there are other things to consider when dealing with insurers, following these tips should help make the process a little easier for you. Just remember to remain calm and patient while speaking to them to increase your chances of having a desirable outcome.