If you are involved in a motor vehicle accident, it will not be long before you are in communication with your insurance company. You may also find yourself speaking with the insurance company of others involved in the accident.
There are things you want to say, things you want to avoid saying, and steps you can take to make the process less stressful and more time efficient.
At some point, you may come to the realization that an insurance company does not want to pay your claim. This can be extremely frustrating, especially if you did not have any part in causing the accident.
Of course, you don’t want to give up. You need to realize that some companies always reject the first claim. After all, they are in the business of saving money, not paying out every claim.
If your second claim is rejected, however, you may need to file an appeal. There is a process for doing so, and it often means getting an attorney involved. This person can help you better understand the process, while making sure the insurer is aware of how serious you are.
All in all, getting your claim paid comes down to one thing: persistence. If you go away, you are giving the insurance company what they want. If you stick with the process, knowing that your claim deserves to be paid, you will eventually make progress.
In the end, the only thing that matters is that you get a fair shake based on the insurance coverage that you pay for on a monthly basis.
Source: AutoInsurance.org, “What shouldn’t one say to their auto insurance company if they are injured?,” accessed Aug. 12, 2015