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These car insurance claim mistakes are too common

The steps that you take after a motor vehicle accident will have a lot to do with what the future brings. For example, you need to know exactly what you are doing in regard to contact with your insurance company.

If you make a car insurance claim mistake, even one that doesn't appear to be a big deal, it could stop you from receiving the compensation you deserve for your injuries and other damages (such as that to your vehicle and personal property).

Here are some car insurance claim mistakes that are entirely too common:

  • Never provide a recorded or written statement until you know your legal rights, coverage, and what you should and shouldn't be saying.
  • Don't assume that the first estimate of your losses is a fair one, as insurance companies often make a low ball offer in the hope of saving money.
  • Don't sign anything, such as a waiver or release. You need to understand your legal rights before you put your name on the dotted line.
  • Never accept a check that is marked as final, as this could harm your ability to obtain other compensation in the future.
  • Don't overlook the time limits set by your policy, as you need to know when to take action.
  • Don't let your insurance company off the hook. You pay for coverage and you should expect your insurer to provide you with the benefits as outlined in your policy.

It's easy to believe that you will avoid these car insurance claim mistakes after an accident, but things have a way of getting tricky when you are in this unenviable position. That's why you need to step back, review your policy and understand exactly what you are up against.

Once you understand your coverage and legal rights, you will no longer feel lost and uninformed. Instead, you'll have a clear idea of what you should be doing and how to proceed in a manner that will work in your favor.

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