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Dealing with your car insurance company after a car accident

A lot of thoughts probably go through your head when you are involved in a car accident. It is important that you understand what steps you should take after you are involved in an accident. One of the things you will have to do is to speak to your insurance company.

Your car insurance agent should be one of the first phone calls you make. You should be honest with your agent because being dishonest can invalidate your policy.

When you call to speak to your agent, you should have a basic understanding about your policy. Learn about what is covered and what is excluded. Knowing this can help you as you deal with your insurance company.

Make sure that you fully understand your policy when you give statements that are written or recorded. You should know the time limits on your policy so that you are familiar with how long you have to get in the proofs of loss.

As you move through the claim process, make sure you understand your rights. Don't sign waivers or releases until you are sure you know what you are signing. If you are asked to do so and don't understand the document, seek legal assistance.

When it is time to settle the claim, pay close attention to the notations on the check. Unless your claim is all paid in the check you have in hand, don't accept it if there is a "Final Payment" notice on the check.

Dealing with insurance companies can be rather difficult. Familiarizing yourself with your policy before speaking to the insurance company can often help you make sure your claim is being handled properly.

Source: FindLaw, "Car Insurance Claims: Dos and Don'ts," accessed May. 13, 2015

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