When you get entangled in a car accident case, you may be worried about your medical bills, car repair bills, and how much your insurance premiums may go up. If you carry automobile insurance, it is essential to be informed about the process.
Talking to your insurance company is critical for the compensation claim process. While it may be intimidating for some, asking a few questions to your insurance adjuster can provide the clarity you need for filing a case. If you need assistance with the compensation recovery process, contact a tucson auto accident attorney.
Questions to ask your insurer after a car accident
What costs will my insurance cover?
What your insurance will cover depends on the type of policy you buy. Because insurance policies can vary, you need to go through the terms and conditions of your policy to see the coverage amounts.
Who will pay my bills?
Your medical insurance, known as the MedPay, pays for your medical bills in case of an accident. However, if you have injured another party because of your negligence, they get to use your insurance money for their damages.
However, you can only use your MedPay until it exhausts. For example, if your MedPay provision is $5000 and your injuries are worth $7000, you have to pay $2000 out of your pocket.
Will this accident affect my insurance rates?
When the other party is found to be at fault for the accident, it should not affect your insurance rates in any way. However, if you are completely or partially at fault for causing an accident, your premiums may increase. Your insurance rates depend on various factors, including the car you drive, where you live, your driving record, and how regularly you drive on the road.
Should I talk to another person’s insurance company?
You may be eager to pursue compensation with the other party’s insurance company. However, you should not speak to them without consulting an attorney first. In fact, you should refuse to speak to them when they call you after the accident, which they will. The strict rule to follow is to avoid talking to the defense and let your attorney communicate with their insurance carrier.
What should I report?
It is important to gather photos, witnesses, and other pieces of evidence because your insurance company will ask for all of it. They will need to know as many details of the accident as possible and the information of the drivers involved as well.
Car accidents are already stressful, and when you add the pressure of establishing liability, things can get tricky. It does not matter whether you believe the other party caused the accident or not. Ideally, you should not take a legal step without consulting an attorney first.