Filing a Car Accident Claim in California
Guidance from a Long Beach Accident Attorney
In order to recover compensation after a
car accident, it may be necessary for you to file an insurance claim. Unfortunately,
insurance companies can make it very difficult for victims to obtain their
rightful dues. To ensure that you have support through this process, speak
to a Long Beach personal injury lawyer at the Overett Group. Our team
is well-equipped to help you create a solid case, as well as safeguard
your rights while you are dealing with insurance companies. It is important
to note that you must file your insurance claim within two years of the
date of the accident, so
call us as soon as possible and we can begin investigating your case.
How do I file an insurance claim?
Before you actually file the claim, there are a few pieces of information
that you will need to collect. Right after the accident, you should get
the other driver's name, contact info, and insurance information.
The insurance information should include the name of the insurance company
and the policy number. It can also be beneficial to note the make and
model of the other car, as well as the license plate number.
Next, you should
get in touch with an attorney at our firm before you make any sort of claim
to the insurance companies. Our team can help advise you on what to say or not say. Insurance companies
may try to get you to sign improper documents or twist your words so that
they can get out of paying you. A Long Beach car accident lawyer at the
Overett Group can help you avoid these types of issues. Our legal team
can also help you decide if you want to file a "first party"
claim with your own insurance company, or a "third party" claim
with the other person's insurance company.
When you and your attorney are ready to file, you will need to include
your full name, the date of the accident, your insurance policy number
and the dates that your policy is effective until. They will also need
the contact information and license numbers of the other drivers involved
in the accident. An official police report will have this information
if you were not able to take it down. In this statement, you may also
be required to give the details of the accident, such as how it occurred,
the weather conditions, and the time of day. If you decide to do this
over the phone, it is important that you send in a written statement as
well. Written documentation throughout the whole process is highly advised,
since it reduces that ability of the insurance company to deny that you
gave them certain information.
If the claim is disputed, then you may also need to talk to the other driver's
insurance company. This is also the time to bring up any witnesses that
were at the scene so they can attest to the truth. Again, make sure to
file a written statement with the other insurance company as well, and
get the name of the representative to whom you spoke.
After you officially file the claim, your insurance company will contact
you again so you can speak with a claims adjuster. This representative
will most likely ask you to detail the accident and provide proof of damage
or bodily injury. Damages to your vehicle may be proven with pictures
or your auto mechanic, while bodily injury may be shown by revealing medical
bills. Once the adjuster inspects the vehicles and speaks to the other
driver's insurance company, as well as any other relevant sources,
they will make an investigation decision.
What if I don't agree with the insurance company's settlement?
If the insurance company offers you a settlement that is not sufficient
to pay for your actual damages, then our team will be by your side to
fight the decision. We will be sure to do our own investigation to assess
the amount that you do deserve, and then fight to make sure that you get
that amount! Be sure not to accept any payment until we have done all
we can to get your proper dues. We can help you file another claim in
a small claims court or seek other litigation. Insurance companies have
a large incentive to deny your claim and keep investing the money you
pay them, instead of using it to cover your damages.
Get in touch with our firm
before it's too late! We have a 100% success rate.