What To Expect When Contacting Your Insurance Company After An Accident

According to the terms in your car insurance policy, you are supposed to contact the insurance company any time that you have been involved in an automobile accident. You could contact either your agent or the Claims’ Department. If you get in touch with your agent, ask him or her to share the share the details of the accident with the Claims’ Department.

Rights of Insurer, after contacted by policyholder

Has a right to access the medical records of the policyholder that was involved in the accident. That right does not allow an insurance company to study a policyholder’s credit records. The insurer does have the right to send a form, in order to request those medical records that would relate to the policyholder’s injuries.

The insurance company expects cooperation from each of its policyholders. That means that each of them could be counted on to give the names of witnesses, and the names of their treating physician.

Policyholders that have purchased a collision repair option from their insurance company should know about another one of the insurer’s rights. Collision repair provides money for fixing damages, those caused by the opposing party. Hence, someone that has both a 3rd party claim and access to collision repair cannot seek money for repairs from the defendant’s insurance company.

There is an exception to that rule. That exception would apply if the policyholder had not been compensated for his or her payment of a deductible, as per personal injury lawyer in Sydney.

How one of the insurer’s rights could benefit a policyholder

The last of the insurance company’s rights concerns the fact that it is allowed to inspect the vehicle of the policyholder that has reported involvement in an accident. Sometimes such an inspection can cast doubt on the veracity of a claim made by the defendant. That could be the case, if the defendant had slammed into the side of the policyholder’s vehicle.

Obviously, no driver could move his auto in a manner that would force it to aim its side at some section of another vehicle. Consequently, side damage would need to be done by another vehicle, or by some immovable object like a telephone pole. If another driver were alleging that the policyholder has caused damage to the side of that same driver’s auto, then an inspector should be able to refute that allegation.

So, the results of an inspection could benefit a policyholder. Those results could underscore the absence of proof that the other party’s claims could be verified. Due to the existence of that proof, the allegations must remain unverified. Someone that has no verifiable personal injury case should find it impossible to submit a 3rd party claim, and receive money from the claim’s target.

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