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Do I Need a Lawyer When Talking to My Insurance Company After My Accident?

If you ever find yourself involved in a vehicular accident, there is a protocol that you should follow to make sure that your rights remain safeguarded throughout the process. The legal matters stemming from a car accident can become challenging if you do not have the proper guidance.

One of the things people do after car accidents is contacting their insurance companies. The insurance claim filed with your insurance company can lead to your expenses being covered by the policy. The knowledgeable Virginia car accident lawyers at Rutter Mills have provided an important video to help you navigate the messy finances resulting from an auto accident.

When To Contact Your Insurance Company?

After you have received appropriate medical attention for your injuries, you should contact your insurance company. It is important for filing a claim if you think that the accident and resulting damage occurred due to negligence on part of the other party.

There can be a lot of unforeseen expenses that may arise in the wake of a vehicular accident. Aside from the medical bills and damage to your property, there might arise a need to rent a car for your transportation needs.

In case of an official insurance claim, your insurance provider might cover all of these expenses. Even if the medical bills at the time of the accident seem like they are not much, they can pile up over time in the form of future treatments or charges for physical therapy, etc.

How To Contact Your Insurance Company?

Talking to your insurance company after the accident is significantly different as compared to the insurance provider of the other driver. Typically, clients sign a contract with the insurance company when they first enlist their services. Under the terms and conditions of this contract, you might need to inform your insurance company of all the details of the accident.

It is advisable to directly establish contact with the claims office of your insurance provider. You also have the option of contacting your insurance agent and submitting your claim with the required information. In case the information is relayed through an insurance agent, you should keep a written record as a letter to your insurance agent.

The insurance provider will have the right to access all your medical records, work records, and your vehicle for inspection. You will be expected to fully cooperate with your insurance company while it investigates your claim.

Do You Need a Lawyer?

While you can handle a small insurance claim yourself, cases that involve major property damage and significant physical injuries are better handled by a personal injury lawyer. An experienced personal injury lawyer will help you navigate the uncertain legal waters and make sure that you receive compensation for your suffering.

Having a personal injury lawyer is also essential while talking to an insurance provider. Whether it is your insurance provider or that of the other driver, having a lawyer present while you talk to anyone is likely to help more than not.

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