Unfortunately, insurance claim problems happen more frequently than many claimants would prefer. When you run into issues, a personal injury attorney in Atlanta can make sure your rights are protected throughout the claims process. A lawyer may also be helpful in preventing these stressful issues in the aftermath of an accident. Some of these problems may even be avoided by knowing what to expect.
Know Your Insurance Policy
First, understand that a lack of understanding regarding your insurance policy could lead to issues when you finally really need it. This starts long before you are even in an accident.
One factor that tends to guide shoppers the most when purchasing an insurance policy is cost. But sometimes, in an effort to save money, you may be skimping on coverage that could be necessary or beneficial should you end up injured in an accident.
Make sure you know what you are purchasing, along with what will and will not be covered. You should also be sure that you have enough coverage, as no one can predict an accident and its repercussions such as medical bills and other financial losses.
Not Calling the Police
In some cases, you may not see all of your damages covered if you do not report the accident in a timely and proper manner. Drivers in Georgia involved in an accident causing injury, death and/or significant property damage (estimated to be greater than $500), are required to report the accident right away.
Many may not be quite sure what $500 in property damage looks like, so it is generally advisable to contact the police regardless. Even apparently minor damage may, in some cases, run high repair bills. The police report may provide valuable information to the insurance company, too.
Inadequate Medical Attention or Care
Insurance claim problems can also stem from refusing medical treatment or stating at the scene of the accident that you aren’t injured. This could make it difficult to receive compensation for any future medical bills you may incur.
If you do not need emergency medical care, see your doctor shortly after the accident even if you don’t believe you are injured or your injury seems minimal. Symptoms don’t always manifest right away, so make sure you are properly examined by a professional.
Failing to Notify Your Insurance Company
Some run into insurance claim problems if they do not contact their insurance company right away to let them know about the accident. Even if you are not at fault for the collision, notify your insurance company that you were in an accident. If you wait several days or longer, it may raise red flags and could make it difficult for your claim to be approved.
Lack of Evidence
Finally, not having adequate documentation or evidence can present a problem when filing a claim with the negligent driver’s insurance company. This includes photographs of the accident scene, damaged vehicles, and injuries. You should also obtain a copy of the police report as well as contact information of the other driver and any witnesses.
The more documentation you have, the stronger your case may be. Presenting adequate evidence could even reduce your risk of insurance claim problems. Your personal injury attorney in Atlanta can help you collect the proper evidence and documentation.
A Personal Injury Attorney at Atlanta-based Law Offices of Shane Smith
According to the Insurance Research Council, claim frequency has increased after recent trends reported frequency on the decline. Personal injury protection claims have seen both rising costs and claim frequency, according to a 2011 release. It also notes that bodily injury claim frequency did not decline in 2010 for the first since 1994.
The fact remains that no one knows when they will be injured in an accident. If you want to ensure your legal rights are kept protected throughout the claims process, contact a personal injury attorney in Atlanta at the Law Offices of Shane Smith.
Take advantage of our FREE book, which provides a list of ten mistakes that could ruin your car wreck claim. Call us at 770-487-8999 (Peachtree City) or (888) 927-6955 to set up your appointment to discuss your car accident and any insurance claim problems you may face.