When you’re involved in a car accident, the last thing you want is for your insurance company to take advantage of you. Unfortunately, this can happen if there’s not enough evidence available to prove who was at fault for the crash. In order to avoid this problem and protect yourself from having your own claim investigated by an adjuster who might see things differently than you do (or worse yet: someone paid off by your insurance company), here are some tips on how best to cooperate with an investigation once it occurs:
Why Do Car Insurance Companies Need to Investigate a Car Accident?
Car insurance companies need to investigate a car accident because they need to determine if the accident was caused by the at-fault party. The insurance company will also want to know if your vehicle was in the right place, at the right time, and with you at the wheel when it happened. They also want to know if everyone involved in this accident is insured by an insurer that has coverage for them–and if so, where their policies are currently valid.
What Happens During a Car Insurance Claim Investigation?
The injury lawyer in St. Catharines knows that the insurance company will send a representative to the accident scene. The representative may ask you questions about what happened that day, such as if there was any damage to your car or if anyone in the car was injured. They may also ask you questions about your medical history and driving record as well as if there were any witnesses at the scene who can give them more information about how things unfolded.
When the Adjuster Might Conduct a More Thorough Investigation
Sometimes, an adjuster will conduct a more thorough investigation when the facts aren’t clear or there are questions about the law. For example, if your car accident involved two cars and one of them was hit by another vehicle, it could be difficult for insurance companies to determine who was at fault. In this case, it might be necessary for an adjuster to contact each driver individually (or through their insurance company) before reaching any conclusions about liability or damages.
It’s possible that your injuries may not be severe enough for an insurance company to pay out on their own–but if you need surgery or other medical treatment beyond what’s covered by your policy limits. Then having someone review the situation can help ensure that those funds are available in case something goes wrong after surgery or treatment is completed (and before paying out).
Cooperating With the Insurance Company’s Investigation
As a victim of a car accident, you should cooperate with the insurance company’s investigation. In order to do this, you must not try to hide anything from them. You also cannot hide your injuries or medical records from them unless they have agreed to take them off your record and will not use them against you in court.
If you’ve been involved in a car accident, it’s important to know what the insurance company will do to investigate your claim. They’ll try to find out who was at fault for the accident and assign blame accordingly. This is called an investigation and it can be very thorough–sometimes even more so than an investigation into a crime scene.