Car Accident How To File A Claim – It can be hard to know what to do right after you get into a car accident. Suddenly, you have a whole new set of problems, from seeking medical treatment to dealing with the police. One of the steps you shouldn’t forget – or delay – is filing an insurance claim after your car accident. The sooner you start, the sooner you will get resolution and be able to move on with your life.

Here, you can learn how to report an accident to an insurance company, what the Oklahoma auto insurance claim process involves, and what to do if your insurance company denies your claim.

Car Accident How To File A Claim

Car Accident How To File A Claim

If you, all passengers, and your vehicle are out of danger and no one needs immediate medical attention, it is best to start filing your auto insurance claim. In Oklahoma, the at-fault driver and their insurer are liable for damages. But even if you are not at fault, you should contact your own insurance company to alert them to the situation.

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However, reporting a car accident to your insurance company doesn’t start with a phone call. First you’ll need to gather some important information. The steps for reporting an accident to insurance are as follows:

How long you have after a car accident to file a claim with an insurance provider will depend on the carrier and your specific policy. That said, any insurance company will insist that you report an accident as soon as possible, or at least within a reasonable amount of time. You should interpret this as a few days, maybe a week or two, depending on your circumstances.

It is important not to procrastinate. Remember: insurance companies make their money by limiting payouts. Don’t give them any excuse to deny your claim.

There are a few situations where you may not want to file an auto insurance claim. If you were in a one-car accident, no one was hurt, you didn’t damage anyone else’s property, and the damage to your vehicle would cost less than your auto insurance policy deductible, then you may not want to report it . Using car insurance could trigger an increase in your monthly premiums. However, if your car accident does not fall into this very narrow category, you should call your insurer promptly.

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You must not give a recorded statement to any insurance company, regardless of what they may claim. It may not seem out of the ordinary, but insurers can use these records to look for ways to deny or limit settlement of car accident insurance claims. If someone contacts you claiming to be from insurance and asks you to record your statement, politely say no and contact a car accident attorney immediately.

It’s important to remember that the other driver’s insurance company is only interested in protecting their client and limiting their payout to you. Your first call should be to your own insurer, whose job it is to look after your best interests. Your next call should be to an attorney who can advocate for your rights during the auto insurance claim process. Whatever you do, don’t agree to be recorded or sign anything the other driver’s insurance sends you before you talk to a car accident attorney.

The entire auto insurance claim process, from car accident to insurance settlement (and getting back on the road), varies depending on your specific situation, but the following is the basic sequence of events:

Car Accident How To File A Claim

There is no guarantee that an insurer will honor your claim. Some reasons why an insurance claim can be refused:

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If an insurance company denies your car accident claim, your best bet is to contact an attorney who can present your case on your behalf. And the surest way to help your case is to collect and keep as much as possible. lots of information about the accident. That is why it is so important to collect evidence at the scene of the accident. For example, if the other driver’s insurer denies that the policyholder is at fault, photos you took or statements you collected immediately after the accident can prove you right—even if you have to file a lawsuit.

Sometimes an insurance company acts in bad faith. Then they unfairly deny or limit coverage for a legitimate claim, often simply because they can. Bad faith tactics can include stalling, discounting, failing to explain benefits, and even abuse. Insurance companies know that many people do not have the resources to wait for a settlement or fight in court. The only way to get fair treatment in these circumstances is to get the help of an experienced law firm to confront the insurer’s legal team.

Depending on the type of auto insurance you have and how good it is, you may be compensated for medical bills, the cost of car repairs, towing expenses, rental car fees, and even lost wages. Damages that cannot be claimed through insurance can be recovered from the at-fault driver in a lawsuit.

Moving on after an accident is hard enough without dealing with insurance companies. Even if you have never missed an insurance premium, obeyed the law, and followed every rule, there is no guarantee that you will receive a fair settlement of your car accident insurance claim. If you have been involved in a car accident in Oklahoma, call the experienced legal team at McIntyre Law. We will fight to make sure you get the compensation you deserve. A white circle with a black border surrounding an upward pointing chevron. It says “click here to return to the top of the page”.

What To Expect When You File A Car Accident Claim

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Car Accident How To File A Claim

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If other people were involved, it is always a good idea to report an accident to your insurance company. vm/Getty Images

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Your driving record is a key component in determining how much you pay for car insurance. A single accident can really cost you, especially if there is significant property and medical damage. Premiums can increase by nearly 50% after an at-fault accident claim, according to an analysis by The Zebra, an insurance comparison site. As you understand, many drivers make arrangements to pay for smaller accident claims themselves, but this is not always possible.

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Multiple accidents and serious traffic violations could even cause an insurer to deny your next renewal. Increased premiums from an accident typically stay on your record for three years after the claim, according to the Insurance Information Institute. However, things like DUI and reckless driving convictions can stick with you much longer. If you need to get an SR-22, you could pay extra as long as the state requires it.

It is generally better to report an accident to your insurance company than not, especially if another party is involved. But there are some cases where not filing makes more sense.

“Some of the main factors to consider when deciding whether or not to file a claim include whether property damage or personal injury is involved, what type of coverage you have, and the relationship between the parties involved,” explains Falen Cox, staff. personal injury attorney at Cox, Rodman and Middleton.

Car Accident How To File A Claim

However, this should not be confused with filing a police report. Especially if you were not at fault or the damage was minor, filing a police report now could protect you from false claims later. Here are some scenarios where you should almost always file

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