After a car accident, there are certain things that you must do. Contacting your insurance company should be one of the first things on your list. You pay your insurer for situations like this, so you can get needed funds for repairs, medical bills, and other related expenses.
Before you get in touch with your insurance, make sure that you understand how to properly communicate with the company. It is critical that you understand and fulfill all of the driver duties in accordance with Indiana laws. Failing to comply with these regulations during or after your accident can negatively affect your claim.
Before contacting the insurer
Once you are in a clear headspace, review and make sure that you know your insurance policy. You want to do this before speaking with your insurer so that you are clear on what to say and do. To help make sure that you fully understand your rights and the process, it may be helpful to speak with an attorney about your car accident claim.
One of the things that you want to look for in your policy is the timeline that you have. Some insurance companies have strict timelines for filing claims following a vehicular accident, and you want to make sure you submit it within the given parameters.
During the communication
When you call to make your claim, your insurer will probably ask you a series of questions and record the conversation. Be truthful and clear, but avoid giving additional information that the agent did not request. Try to match your answers as best as you can with the statement that you gave the police. If it appears that your statements are different, it may negatively affect your claim. In the event that representatives from the other party's insurance contact you, politely inform them that you will not provide them with information, but that they will receive it at the appropriate time.
In short, keeping your communication honest and brief is generally most helpful. You also want to make sure that you understand your policy, and working with an experienced accident attorney may be beneficial.