Car accidents are expensive. There is the damage to the cars, the clean up costs and of course the medical costs can amount to hundreds, thousands or even tens of thousands of dollars. Insurance companies make their profits by getting in more money than they pay out for car accident settlements. This simple equation is why you need to be sure that you protect your own claim, because no one else will.
The best way to ensure that you get the money that you need to cover your medical costs and the expenses involved in repairing your car (or getting a new one) is to collect as much information on the accident as quickly as you can.
The longer you wait to start recording details the less detail you , and anyone else involved, will remember. You need to get everything written down while it is fresh in your mind. Insurance claims are one of the few times where it is better to have more detail than you need available for yourself.
Depending on how serious your accident was it may even be worth considering hiring your own insurance assessor or attorney to look through all the details and paperwork and advise you on what to expect. They can also act as middlemen between you and the insurance company, they are normally people who have worked for insurance companies for many years before going into business for themselves. Their years of experience and insider knowledge will work to your advantage.
No matter how nice your insurance agent is, most of us use the same insurance agency for everything from car insurance to life insurance, the company he works for are not looking to give you a break and pay out more than they have to. They owe it to their share holders to get the best deal possible, that means paying out as little as possible whenever they can. You on the other hand want to get the most money you can to enable you to get the car fixed and the hospital bills paid.
