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3 mistakes to avoid when filing a car accident insurance claim

Car accidents can be stressful. The events that follow, such as managing recovery, dealing with repairs and interacting with insurance companies, can prove even more challenging. Filing an insurance claim might feel like another daunting task in the mix of everything else, but it’s a crucial step toward getting your life back on track.

To help you in this process, here are three common mistakes to avoid when filing your car insurance claim.

Delaying reporting the accident

After a car accident, informing your insurance company as soon as possible is important. A delay in reporting can raise questions about the validity of your claim. So, even if there’s a lot going on, make sure you take the time to report the accident to your insurer to avoid doubts about the claim’s legitimacy. In the state of Arizona, there’s no specific time limit stated by law to report an accident to your insurer, but, if possible, you should do so within 24 hours.

This allows you to provide the most accurate information while the details of the accident are still fresh in your mind.

Giving incomplete or incorrect information

When filing your claim, it’s crucial to provide comprehensive and accurate details about the accident, including:

  • The sequence of events.
  • The extent of your injuries.
  • Other losses you’ve incurred.

Any omission or provision of incorrect information could lead to complications later on. These complications might include delays in processing, disputes over a fair coverage evaluation or even a denial of your claim.

Accepting the first settlement offer

Your insurance company may offer you a settlement offer quickly after the accident. However, keep in mind that they may not always have your best interests at heart. The initial offer could be lower than what you’re rightfully entitled to, or it could be based on a quick, less thorough investigation of the accident. As such, it’s essential to carefully review the initial offer before accepting. Given the complexity of these matters, consider consulting a legal professional. They can guide you through the legalities of the process and help you with your claim.


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