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Accident Insurance Claims: Dos and Don’ts

If you have sustained injuries in an accident, getting financial help to pay for your medical bills and cover earnings that you lost due to your accident is important for your recovery. In most instances, the party responsible for your injuries will have insurance to cover your accident-related expenses but getting the compensation that you deserve will most likely be a challenge.

Pasadena-based accident attorneys at Binder & Associates have represented thousands of injured clients all over Southern California. From experience, we have found that insurance companies make it difficult for injured parties to obtain compensation, denying claims or reducing claims to insignificant values that are inadequate to cover medical bills and lost wages. Insurance companies look after their own bottom line—not yours. This is why it’s crucial to have an experienced law firm beside you when dealing with insurance companies.

Role of Personal Injury Lawyer

If you or a loved one has been in a motor vehicle accident, your personal safety comes first so you should seek medical treatment immediately. After you have seen a doctor, call the law firm of Binder & Associates.

Our attorneys can guide you on your next steps, not only to preserve your right to claim compensation but also for you to receive the full value that you legally deserve. We have compiled a list of do’s and don’ts to guide our clients and the public in pursuing accident insurance claims.

Tips for Accident Insurance Claims

  • Report your accident to the insurance company: It is important to report your accident to your insurance company immediately after the accident. If your own vehicle has sustained serious damage, your insurer can help you obtain a rental or replacement vehicle. If you or a passenger in your vehicle has sustained injuries in the accident, you should also report your accident to the other driver’s insurance company.
  • Review and understand the terms of your own insurance policy: In some cases, the driver responsible for your injuries does not have insurance or is underinsured. Check your own insurance policy to determine whether your own policy covers uninsured/uninsured motorists (also known as UIM).
  • Preserve evidence of your accident: Do not sell or immediately repair your vehicle following a serious accident. Your motor vehicle is a critical piece of evidence that can hold answers to the cause of your accident. If your lawyer is unable to use your vehicle in evidence, your case may be jeopardized and you may not be able to recover the full value of compensation that you deserve.
  • Do not make any statements to the other driver’s insurance company: Any statements that you provide without the advice of a lawyer may be used to deny your claim or limit its value.

Do not sign documents without seeing an attorney. The other driver’s insurance company may ask you to sign an authorization giving them access to medical records that they can use against your claim. Work with your personal injury lawyer who can provide what the insurance company needs without compromising your claim.

Hire a lawyer to advise and represent you. Your lawyer can help with every part of your accident claim in order to maximize your eventual financial recovery for your medical expenses, lost income, and pain and suffering.

Contact Binder & Associates

Call us at (626) 793-9124 to arrange a free initial consultation with one of our Los Angeles car accident lawyers. Our firm accepts cases on a contingency fee basis, so you pay our legal fees only when you recover compensation.

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