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4 tips to help with a car accident claim

Imagine driving through Louisville on your way to work when suddenly you are in a car accident. Someone has rear-ended you. Obviously, it's the other driver's fault and their insurance company will certainly pay for your injuries and the damages. Or will it?

Dealing with your own insurance company can be challenging, but dealing with another driver's can seem like an uphill battle. Remember, insurance companies do not want to pay any more than the absolute minimum on claims. Unfortunately, that amount may be substantially less than what you need to cover your medical bills, lost wages and the damages to your vehicle. Here are a few tips to help you deal with another driver's insurer after a car accident.

Trade information

You probably already know that trading contact and insurance information is one of the most important things you can do after an accident. When you do this, be sure to get the other person's driver's license number, license plate and the vehicle identification number of their car in addition to the insurance information. Also, take photos of the scene of the accident and the damage to both vehicles. As soon as you can, write down an account of the accident.

Call the police

Unless you have the police report, the insurance company may treat the accident as if it were your fault or the insurer might completely refuse to process the claim. In other words, always get a police report no matter how minor the accident seems.

Call your insurer

Before you speak with anyone from the other driver's insurance company, be sure to call yours first. Report the accident and explain what happened. This will show your insurer that you are acting in good faith by reporting the accident and make them aware of the situation.

Call the other insurer

After you have spoken with your insurer, it is time to call the other driver's insurance company. The other driver may not be too keen to report the accident, so it is up to you to make the report to their insurer. This will get the claims process in Kentucky started.

Unfortunately, even following the above tips may not guarantee that you get the compensation you deserve. If you have been the victim of a car accident, do not settle for the lowball settlement the other driver's insurance company tries to force on you. Instead, take additional steps to fight for the compensation you deserve.

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