Once you file a claims dispute, you’ll need to see if other people can corroborate your story, including police reports or corporate incident reports. Medically, you’ll need proof that you have been genuinely damaged. If it’s a car accident, you’ll need to view your records, talk to the other driver(s), and inspect your car for damage.
Got insurance? Your insurance company will cover any repairs or injuries until they know who was at fault. Once fault is determined, they’ll negotiate to see who will pay once everything else is said and done.
Approved body shops and medical bills are up next. Your insurance company will lead you to where you need to go. You can also get quotes or choose your own repair shop, but the latter will involve you paying out of your own pocket.
Your claims adjuster will need to see your medical bills and records. You may want to talk to a personal injury attorney (like the ones on our staff) as well.
As you’d expect, you also need to look over your side of the story. Do your records and documents reflect things exactly as you remember them? Try to remember as much as you can about your accident. It might be tough at first, but you should make every effort to remember as many details as possible. This will seriously help your case, especially if you’re certain it was not your fault. Don’t forget to make sure the details include where and when it happened! You’ll also need the name(s) and insurance information of anyone else involved. If police reports and/or DMV reports were filed, get your hands on those too.
Once they determine who’s at fault, your personal agent will let you know what they will pay and what they expect you to do as well. You might be 20% responsible—or 80%. This will affect how much your company will pay.
You might think you don’t need anything other than records, bills, and reports, but there’s just a bit more that you need. If there was property damage, you need evidence of it. Wage loss will need to be proved as well.
Your insurance company and legal agents will most likely look not only into your claims history but also your online presence.
Whether you’ve been in an accident or not, you should ensure that your privacy settings are high, that you don’t post photos or information about your accident, and that you don’t file a fraudulent claim. If any of these can incriminate you, someone will find out, and it will work against you. So just be careful!