Being involved in a crash may spell trouble for you financially and physically. While it is a fairly common event, some people may go decades without any incidents while others may seem to be more accident prone. When you find yourself in a crash, your car insurance company plays a vital role in helping to fix things. Do you know everything you need to about the process? Take a look at three things you probably didn’t know about how insurance companies operate.
1. A Representative Will Want a Recorded Statement
One of the critical pieces of evidence in any car accident investigation is the recorded statement. All insurance companies request that you speak to them on a recorded line while they ask you a series of standard questions designed to get a full picture of the events leading to and following a crash. Adjusters use this to determine which driver is at fault for the accident. You may want to check with a tampa accident attorney to see if he or she would be present when you give the statement as insurance companies put a lot of weight on this evidence.
2. The Opposing Insurance Adjuster May Seem Helpful
Your insurance company is your advocate in the fight over who is responsible. You have paid them all these years, and they take up the fight for you. However, opposing insurance companies will also be contacting you to interview you for their own purposes. These adjusters will seem just as friendly, helpful, and worried about you as your own. Be wary: They do not represent you. They want what is best for their driver and their bottom line. You may get lulled into a false sense of security and admit to things that will cripple your own case.
3. You May Have to Come Out of Pocket
Getting your car fixed may be your only priority, and while the accident was determined to be someone else’s fault, you are faced with a decision. Do you wait until the other insurance company offers to ante up the money, or do you use your own insurance to get the fixes done quicker? Going through your private insurance company has real benefits, but it will also cost you your deductible. The good news is, if the companies are in agreement that you are not liable, the other company will reimburse you for the money you paid. However, if there is any amount of disagreement between the two companies, it may take months or longer to recoup that money.
Car insurance companies have the sole purpose of taking care of things after a car accident. It is important to remember that while they are there to help, you still need to be mindful of how the process works.