I handled auto claims for over 6 years. In that period of time, I handled thousands of auto claims. In my experience handling claims, most people at the time of the accident are so emotional that they can’t articulate the facts of the loss clearly to the police department or the claims representative. Well, this is expected, right? Who wouldn’t get emotional when your vehicle is damaged by another party or when you strike a stationary object? Your first thought is anger and frustration. However, this is the most critical time to gather the evidence to argue your case. If you are involved with another party , contain your emotion and put on your private eye hat. Seek to understand what happened. Gather any witnesses that may have viewed the loss. Contact the proper authority–police department and paramedics as needed. You are your best witness, so always organize your thoughts and make some fair conclusions to what happened. This will be very helpful when the time comes to contact the insurance companies to get resolution to your claim. Articulate your case fairly and clearly. Research the laws in your state to understand the liability that pertains to the accident. Educate yourself as to your rights and responsibilities and you’ll do just fine.

Steven Gross