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How To Negotiate With Your Insurer After An Accident

After an accident it is important to notify your insurer and let it take legal action.  If you meet the requirements, your accident will be covered and you will be reimbursed. In order to settle the claim and recover the money, you will have to deal with claim adjusters. They are insurance experts that have the task of interrogating the policyholder and obtain vital info. Be prepared and learn how to negotiate with your insurer after an accident. And if you are worried about insurance costs, you should get an auto insurance online quote for free from our website.

# car insurance1The first rule of any claim settlement is to tell the truth.  It is illegal to lie about the accidents and if you are caught, you will be accused of fraud and face dire penalties. It is always better to tell that you are not sure about the circumstances and let the authorities figure it out, than lie.

Another tips closely related is to provide estimates rather than exact numbers. For example, you can approximate the speed of cars involved in the accident or the distance between them. It is far better to provide and tell that you provide estimates, rather than use exact numbers which will later prove to be incorrect.

One big mistake you can do during negotiations is to admit guilt.  Even if you consider yourself guilty, do not admit full guilt. If you admit, you will get really low claim settlement and your premiums will drastically increase.  You should tell the insurer to wait for the investigation’s results.

After an accident, provide medical reports and analysis. If you have sustained injuries, you should first go see a doctor, then present the results to the insurer. Official documents will help you make a claim and get treatment money.

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