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How to handle the insurance company after an accident

On Behalf of | Dec 20, 2021 | Personal Injury

After a car accident, you will likely need to talk to your Mississippi car insurance provider. It’s also possible that the insurance company for the other driver may ask you to make a statement. Let’s take a closer look at what your rights and obligations are as it relates to talking to insurance companies after a motor vehicle wreck.

You will need to talk to your own auto coverage provider

The terms of your auto insurance policy generally require you to submit a claim as quickly as possible after a crash. Furthermore, you must typically provide a written or oral statement within 10 days after the accident if asked to do so. Ideally, you’ll say as little as possible when making a statement. This may limit your risk of revealing details about the crash that may imply that you did something to cause it.

You don’t need to talk to anyone else’s insurance provider

After you make a statement to your own insurance provider, you don’t need to talk to anyone else. Instead, you can simply send a copy of whatever you told your own auto insurance company. In most cases, your agent will do this on your behalf at some point during the discovery process.

What if you need to amend your statement?

It’s possible that you’ll want a chance to include information about your car accident that wasn’t part of your initial statement. This may be because you remember a key detail about the crash a week after it happens or because new information becomes available that you were unaware of when you first talked to your insurance company. Generally speaking, you’ll have a chance to correct the record either by speaking directly to your coverage provider or during discovery.

If you are hurt in a car crash, you may be entitled to compensation for lost wages, medical bills and other damages. It may be possible to collect a financial award through your insurance company or from the driver who caused the crash to occur.