Notifying Your Insurance Company After Being Involved In Accident

Most policyholders understand what is about to happen after they have reported their involvement in a car accident. Still, a policyholder has a duty to notify his or her insurance company, when involved in an accident. At the same time, the policyholder should pay attention to the possible acts of the insurer.

Who should the policyholder contact at the insurance company?

The typical policyholder has an agent. Policyholders usually prefer to contact their agent. That same agent should be asked to share the provided information with the claim’s office. Policyholders do have the ability to make direct contact with the company’s claims office. That can expedite performance of the tasks that need to get done, before the case can be resolved.

Rights retained by the insurance company

• Access the claimant’s medical records; access the claimant’s work records.
• Subrogation of any payment that came from a 3rd party
• The insurance company has the right to inspect the claimant’s damaged vehicle.
The insurance company has the right to expect cooperation from the claimant. Hence, the insurance company has a right to the names of any witnesses and to the names of the claimant’s medical providers, as per injury lawyer in Sherwood Park.

A restriction that gets placed on insurance companies

The insurer has the right to expect a certain level of cooperation from the claimant. Still, there are limits on what the nature of the insurance company’s actions. For instance, insurance companies do not have the right to create a schedule for any claimant. Claimants are free to determine how they want to make use of their time.

A possible action for insurance companies

All claimants should understand that an insurance company’s readiness to investigate the allegations made by a claimant does not meant that it has agreed to cover the costs that are related to the reported accident. An insurer might tell a claimant that he or she is not ready to pay for all of the damage.

Insurance companies decide who should be held responsible for each reported accident. They base that decision on the facts uncovered by an examination of the claimant’s medical records and work records, along with a look at the available witness statements, in addition to the police report. That evidence might not support the allegations that have been made by the claimant. When that is the case, then the insurance company might refuse to cover all of the damage.

In the case of repairs to vehicle damage, an insurance company’s refusal might deprive a policyholder of only a small amount of money. After all, a policyholder with collision coverage has already had to pay a deductible. Of course, insurance companies do have the right to increase the size of future deductibles.