If an individual is in a car accident in or near Reno, there are certain dos and don’ts to keep in mind when filing a claim. Taking the appropriate steps following an accident can help avoid any issues throughout the claims process.
What to Do When Filing Car Accident Claims in Reno
Some steps to take when filing a claim include:
Contact an Insurance Agent
Individuals who wish to file a claim should first contact their insurance agent as soon as possible in the event of an accident or injury. If the injury isn’t severe enough to warrant immediate treatment, it may be ideal to call an agent before visiting the doctor or returning home.
Read the Policy
It’s important to read the insurance policy to gain a better understanding of it, including details around coverage and exclusions.
Make sure to have all pertinent information recorded, including conversations with agents, along with details around each point of contact including names, phone numbers, and specific job titles.
Capture Photo Evidence
To support a claim, take photos of the scene of the accident, the damage to any vehicles, and injuries sustained.
Remain Honest with the Insurance Company
While some may be reluctant to provide details to insurance companies, it’s best to relay all of the facts as in-depth as possible. If an insurer discovers any dishonesty at any point that contradicts the facts, it could result in a denial or invalidate the policy.
What Not to Do
To file a successful claim, avoid the following:
Giving Statements to Insurers Too Early
One potentially damaging mistake is to submit a statement to an insurer without a good understanding of the policy and coverage. To help prevent inadvertently giving a statement early on or if there are concerns around the conversation, it may be best to speak with a car accident attorney.
Accepting the Initial Appraisal or Estimate
Sometimes insurance companies may provide an estimate or appraisal that is lower than the value of the claim. Avoid settling for the first estimate the insurer offers.
Signing Forms without Consulting an Attorney
Some people may sign waivers or release forms prematurely. Prior to signing these forms, it’s important to seek legal advice to find out how to proceed.
Keeping these dos and don’ts in mind can help improve the claims process and prevent potential problems from arising at any point.