Car crashes and collisions occur for a variety of reasons. While road, traffic, and weather conditions may be a contributing factor, the majority of car accidents and injuries are due to the reckless behaviors of other drivers.
Indiana is a fault based insurance state, which means that if you are involved in an accident in which the other driver is to blame, their insurance policy is liable for any injuries or property damages you suffer. Understanding how these companies work can help ensure you get the amount of compensation you need to recover.
Collecting Evidence in Support of Your Claim
After an accident, the Indiana Bureau of Motor Vehicles advises drivers to notify their insurer as soon as possible. While the insurance company will conduct its own investigation, evidence you can collect in support of your claim includes:
- Photos showing where the accident happened and the damage to your vehicle;
- Contact information for any witnesses at the scene;
- Copies of police reports relating to the accident;
- Medical or hospital records and statements from your doctor regarding any injuries you suffered.
Always seek medical attention immediately after an accident, even if you think your injuries are minor. Many potentially serious conditions have symptoms which may take days or even weeks to appear, and failing to get your injuries documented could result in denial of your claim.
Dealing With Insurance Company Representatives
Insurance companies have a financial motive for either denying or undervaluing claims. When dealing with insurance representatives, the Indiana Department of Insurance recommends doing the following:
- Review your car insurance policy. In the event the at fault driver was uninsured or underinsured, your own insurance may cover your damages.
- Keep records of all correspondence. For telephone calls, get the name and job title of the person you talk to, and make note of the date and what was said.
- Be assertive. Ask questions, and request to speak with a supervisor if you have a dispute.
- Do not rush into a settlement. Once you agree on an amount, you will be waiving your rights to future compensation.
Before making any statements or agreeing to a settlement amount, it is important to speak with an Indianapolis car accident attorney first.
How Our Indiana Car Accident Attorneys Can Help
If you or a loved one has been injured in an accident, contact Holland & Holland LLC today. Our Indianapolis car accident attorneys provide the aggressive legal representation you need to hold responsible drivers accountable for the damages you have suffered, so you can get the compensation you deserve. Call or contact our office online today to set up a free consultation.