After an auto accident, dealing with your auto insurance company and the insurance agents of others vehicles involved in the accident can be an overwhelming process. By filing an insurance claim, you are making a written claim that asks for some type of compensation for the damages you have suffered. This is not always a simple process, and a car accident lawyer can help you handle the insurance issues that arise in the aftermath of a car wreck. Listed below are some general tips to keep in mind when handling insurance issues after being involved in a collision. By following these guidelines, you can save yourself time, money, and additional legal complications.

The Dos:

• Do speak with a car accident lawyer to get legal advice about your case
• Do notify your auto insurance company immediately if you are involved in a car accident
• Do take pictures of your vehicle and the accident site if possible
• Do review your insurance policy to find out what is covered and what is excluded
• Do look into whether you have additional insurance coverage from another auto insurance policy, a homeowner’s policy, or umbrella coverage
• Do take notes when you speak with your insurance company, including a list of the names, job titles and phone numbers of the representatives you speak with, the date and time of the call, and what was discussed
• Do be honest with the insurance company. If you fail to tell the truth or withhold information, it could invalidate or reduce your coverage.
• Do understand what the difference is between replacement coverage and depreciated or actual cash value
• Do save the receipts for rental cars, medical bills, and any other expenses incurred as a result of the auto accident

The Don'ts:

• Don't admit to any fault on your part; simply relate the facts without expressing any opinion
• Don't accept the insurance company’s estimate of your losses and damages until you have done some calculation on your own or with the help of a lawyer
• Don't ignore the time limits set by your insurance policy. If your claim has not been handled fairly, many insurance policies give you only one year from the date of loss to bring a legal action.
• Don't give the insurance company a recorded or written statement if you do not understand any part of your policy or claim. It is important to note that you are not required to allow the insurance company to record your telephone conversation.
• Don't sign a release or waiver until you have consulted with a lawyer about your case
• Don't accept a check (especially one that says Final Payment) from your insurance company before obtaining legal advice from a qualified auto accident attorney
• Don't forget that your insurance policy is a contract between you and your insurer, and your insurer has a legal obligation to provide you with the coverage you were promised