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Overview of the Car Accident Insurance Process


Published in Car Accidents on March 31, 2021.

Understanding the car insurance claims process and the obstacles you might face can help you be better prepared. Often, hiring a car accident attorney is the best way to complete your claim and receive the financial recovery that you deserve.

You’ve been in a car accident, and now you’re not sure what’s next. Your car is damaged, you have injuries that need medical care, and you will likely miss time at work to heal. How do you juggle all of this and find your way through the insurance claims process? You hire a seasoned Macon car accident lawyer who knows what you are going through. 

Car Insurance Claims Can be Difficult

The car accident insurance claims process can be confusing, lengthy, and frustrating. Insurance companies often make it this way on purpose to get you to accept low offers to resolve the matter or even drop your claim and move on. However, you shouldn’t give in and accept anything less than you deserve. With an attorney on your side, you can be sure your claim is managed correctly and that you will receive the maximum compensation possible for your injuries. 

How the Car Insurance Claims Process Works

As soon as possible after the accident, you will need to call the insurance company to report your claim. Depending on the insurance company, you can likely make the report over the phone, on their website, or through their app. Your report will include details such as when, where, and how the accident occurred, who was involved, the types of damages to your vehicle, the types of injuries you sustained, and if you have sought medical care. 

After your report, the insurance company will begin their formal investigation into the accident. They want to determine for themselves who is at fault. An insurance claims adjuster will likely call you within days of making your report to ask you for a recorded statement. It’s within your rights and your best interest not to provide one as they can take anything you say and use it to shift blame for the accident to you.

Your claim may stall out in the investigation process as the insurance company hopes you will move on. If you haven’t already, now is a good time to meet with a well-versed Macon car accident attorney. It is never too late to get an attorney involved in your claim, even if you started the process on your own.

Eventually, the insurance company will reach out to you or your Macon car accident lawyer and offer you a settlement for your injuries and property damage. This settlement offer will likely be much less than you deserve. Your attorney can use this as a starting point to negotiate a full and fair settlement on your behalf.

Let an Experienced Macon Car Accident Attorney Help with Your Accident Claim

At Nelson & Smith Attorneys at Law, we know that the claims process can be long and exasperating. We can handle your claim so that you can focus on healing and getting back to the life you lived before the accident. Call (478) 746-1468 or contact us online today to arrange for your complimentary care accident case review with an experienced Macon car accident lawyer.