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After you are in a car accident, the idea of dealing with an insurance adjuster and all the paperwork can be daunting. But in many cases, the process may go smoother than you think. This article describes the three things you should think about before you file your car accident claim so you will be prepared and be able to obtain a better case result.
First of all, here are some basic reasons why you should consider filing an auto accident claim:
If you attempt to reach a financial agreement with the other driver without having insurance companies involved, there is a risk of a lawsuit later, if that driver finds damage to their car that was worse than they thought.
Further, if you do not file the accident report with your insurance company, the other driver could later make a claim for injuries or damages and then your insurer could deny you coverage.
Here are the three considerations before you file your claim:
Whether you should even file a claim after a car accident depends upon your insurance coverage and who was at fault for the accident. Below are some tips to give you guidance:
If you were injured in the car accident, you will probably file a claim one way or another, but how this is done depends on several factors:
If your car has minor damage and there are no injuries, here is what to do:
It is generally a good idea to file a car accident claim except for the most minor of accidents. There is always a chance that the other driver could come back at you later and file a claim, even if they were the one at fault. Just take a look at the outlined scenarios above; these should give you a good idea of how and with whom to file your car accident claim. If you have any doubts or why you should consider filing an auto accident claim, talk to a car accident attorney in your area. The consultation is nearly always free of charge, and the information you obtain could be extremely valuable.
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