One thing you should do before you call your agent, is to make sure that you review your insurance policy. Be certain that you understand your policy, especially the "Coverage" and "Exclusion" sections.
As soon as possible after an accident, call your agent. Call as soon as you get home and even before you see a doctor.
Take detailed notes of all conversations with your insurance company. Be sure to get the names, phone numbers, and job titles of everyone you speak with. Get his or her supervisor's name as well.
Contact an Iowa auto / car accident lawyer representing clients in Webster City, Iowa today to schedule your free initial consultation.
Is your accident covered by other insurance policies as well? Many times, more than one policy may cover your claim. Look over your homeowner's policy, umbrella coverage policies, and any coverage you may have under your credit cards.
If it's possible, take pictures. Don't go to extremes, but definitely take pictures of your vehicle damage and injuries.
It's important to be open and honest with your insurance agent. Even if something is personally embarrassing, it's better that your insurer knows about it. Withholding facts or information from your insurer may cause them to deny coverage of your claim or invalidate your insurance policy.
Do not sign any releases or waivers of any kind without advice from a lawyer. You may feel pressured to accept an early, insufficient settlement from your insurance company if your financial situation is dire after your accident. However, there may be other damages you could include in your claim that you didn't think about at first. Consulting with a lawyer will help you make sure that you haven't forgotten anything. Make sure that you read all the fine print on any payment from an insurance company.
Don't accept any check that says "final payment" unless you are ready to accept a final payment.
Remember that you have a legal contract with your insurance company. Your insurer has a legal obligation to give you the coverage that was promised to you. Insist on enforcement of that obligation.