I have been with my insurance company for over 10 years and have never had to file a claim. I was just T-boned in an intersection. My vehicle is totaled and I had to go to the emergency room. I now have sharp and lingering pain, which will require continued treatment throughout the next year, at least. Surely, since the collision was not my fault, my insurance company will have my best interests at heart; they will help me to navigate through this process. After all, doesn’t a portion of my premium go towards their claim service?

If the wreck was not your fault you will be dealing with both your own insurance company and the other driver’s insurance company.  Always contact law enforcement from the scene of the accident!!  Law enforcement must document the evidence and cite the at-fault party.   Always get the insurance information from the driver that hit you. The information should include the name of the insurance company, the policy number, and a phone number to start a claim. It is very common for insurance companies to take advantage of injured people who do not have an attorney to help.  One way they do this is to pressure you into signing a release of liability giving you a small amount of money to sign away all your legal rights before you even know the extent of your injuries.  Never sign a release without consulting an attorney.  Additionally, your insurance company has a monetary interest in you finalizing your claim quickly.  You have rights that need to be protected on your own insurance policy.  You should have an attorney help you with a claim on your own insurance policy.

 Our team at Smith Horras, P.A. takes personal care to be sure the insurance compensates you fairly and fully for the harm you have endured.