Insurance Claim Dos and Don’ts

When you are involved in a motor vehicle accident and need to make a claim with your insurance company you should be cautious.  Your actions may limit the amount of compensation you receive to pay for the costs associated with your accident.  Contact an attorney to learn about your legal rights when making a claim with your insurance company.

The Dos

• DO consult an attorney about your legal rights after a car accident
• DO review your insurance policy to understand what is covered and what is excluded in your policy
• DO notify your insurance company as soon as possible after an accident, your car is stolen, damaged, or other such event that is covered by your specific insurance policy
• DO take pictures of the accident, damage to your car, and the injuries suffered
• DO take notes when you speak to your insurance company.  Take down the names of the people you talk to, their job titles, phone numbers, supervisors and note what you discussed with each person.
• DO tell your insurance company the truth.  Dishonesty with your insurance company may invalidate or reduce your coverage.
• DO try to find out if you have additional insurance coverage.  In certain circumstances additional coverage may come from a spouse’s auto insurance policy, homeowner’s policy, or umbrella coverage.
• DO keep your receipts for medical bills, car rentals, and any other purchases made in connection with the automobile accident.
• DO be aware of the difference between the replacement value of your car and the amount of money you still owe on your car.  If you owe more money than the replacement value of your vehicle you may need addition insurance coverage.

The Don’ts

• DON’T accept an insurance company’s estimate of your damage without first doing your homework.  The help of a lawyer can determine the amount of damages you are entitled to.
• DON’T give the insurance company an record statement or an admission of guilt until you are fully aware of your insurance policy coverage and rights.
• DON’T sign a release of liability until you have consulted an attorney.  Your insurance company may pressure you to sign such a document before you have had a chance to explore your options.  Make sure your actions are appropriate for you and taken within the time limit stated by your policy.
• DON’T accept a final payment check from your insurance company without first considering your options.  Seek legal advice and carefully weigh all your options.

DO Consult an Attorney

Your insurance company has a legal obligation to meets the terms of its contract with you.  Contact a San Diego automobile accident lawyer for your free consultation today. The Law Office of Howard Alan Kitay serves all of San Diego County and there are no fees until you collect your settlement.

• Overview
• Frequently asked questions
• What to do if you are in an accident
• Injuries and Compensation
• Insurance Do's and Dont's
• Uninsured/Underinsured Motorists