The Law Offices of Ossie Brown
P 225-424-7388

The do's and don’ts of making a car insurance claim

A motor vehicle accident of any kind can alter your life in a number of ways. In addition to injuries, you must also consider the damage to your vehicle.

Once you receive medical treatment and have a clear idea of what the future holds in regards to your injuries, you can then turn your attention to making a car insurance claim.

Here are some of the many things you should do when making a car insurance claim:

  • Call your insurance agent as soon as possible, but don't feel compelled to do so if you are dealing with a serious injury that requires immediate medical attention.
  • Understand your coverage before you contact your insurance agent.
  • Take notes of every conversation you have with your insurance agent, as well as other company representatives.
  • Consider if you have insurance coverage under another type of policy, such as an umbrella policy.
  • Be open and honest with your insurance company, but don't let anyone push you around and force you into saying something that is not true.

Now that you have a clear idea of the things you should do after a car accident, here's what you need to avoid:

  • Never provide a written or recorded statement until you first review your policy and are comfortable talking about your accident.
  • Don't accept the first appraisal or estimate from your insurance company.
  • Don't sign a waiver or release until you know what it says and how it will impact you now and in the future.
  • Never accept a check marked as "final" unless you're ready to bring an end to the process.
  • Don't let your insurance company off the hook, as you have a policy that acts as a contract.

It's hard to keep these dos and don'ts in mind after a car accident, but it's a must that you make all the right decisions during this challenging time.

As you keep these things in mind, also learn more about the cause of the accident. This can help you formulate a plan for protecting your legal rights at every turn of the road as you navigate the insurance claim process.

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The Law Offices of Ossie Brown
123 Saint Ferdinand Street
Baton Rouge, LA 70802

Phone: 225-424-7388
Fax: 225-334-7824
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