car accident claim process

Car accident insurance Claim Process if its not your fault

After being injured in an accident , you should file an insurance claim with your insurance provider or the insurer of the person or business responsible. The  insurance claim  allows  you to receive compensation for any medical expenses, lost wages, or pain and suffering resulting  from the  car accident.




What to do after you get an accident – The Insurance Claims Process

Whether you were injured in an automobile accident, at a home or building, or while visiting a business, you typically must report the incident to the insurance company within 24 hours of the incident. If you weren’t at fault for the accident, you should contact the insurance provider of the business, building owner, or at-fault driver. You’ll probably be required to provide information about the cause of the accident and the extent of your injuries.

The insurance company will then open an investigation of your claim. You may be asked to provide photos of the accident scene, the names of any witnesses, or a more detailed account of the incident. In addition, you will probably have to submit to an independent medical examination by a doctor of the insurer’s choice. If the injury was caused by a building condition, the claims adjuster may make an inspection of the property.

After calculating the value of your claim, the insurance company will then issue a settlement check. If your claim is denied or if you believe the amount of the settlement is inadequate, you can appeal to the insurance company. An appeal may require you to submit to additional examinations or provide further information and evidence about the accident.

Denial of Claims and the Appeals Process

There are a number of reasons why your claim may be denied. For example, you may have waited too long to file your claim or failed to submit to an independent medical examination. Alternatively, the type of accident you were involved in may not be covered under your insurance plan.

Whatever the case may be, you’ll receive notification from the insurance company if your claim is denied. It is then up to you to appeal the denial of claim. Appeals procedures can differ from company to company, so you should take a look at the policy in question to learn about the appropriate next steps. If you have questions about the appeals process or if your appeal is denied, it’s probably in your best interests to consult with an insurance attorney.

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