Important Questions to Ask Your Insurance Company After a Car Accident
If you are in a car accident in Boulder, you probably have a lot of questions about what your insurance pays for, how insurance adjusters will evaluate the damage, and whether or not you’ll experience a premium increase. As a leading car crash lawyer in Boulder, CO, we understand the importance of being informed about the process so that you can get what you are entitled to after an accident. So, we’re providing some answers to typically asked questions.
What Does My Insurance Cover?
Insurance coverage is specific to each policy. Check your policy or call your insurance provider to discover the particular coverage details of your policy.
Will This Accident Affect My Insurance Premium and Rates?
If another motorist is at fault in the accident, it should not affect your insurance premiums. However, if you are found to be negligent, reckless, careless, at-fault, or partially at-fault in an accident, your insurance premiums may go up. Your driving record generally determines insurance rates, as does the kind of car you drive, where you are located, and what you use the vehicle for (you are typically charged less if you drive less). A car accident lawyer Boulder, CO driver’s trust can help you to understand whether your insurance premiums will be affected.
What Should I Do After an Accident?
Under the law, certain circumstances require you to call the police. If anyone in the accident is injured or dies, or if the total property damage exceeds $500 or more, you must report the accident. Repair costs frequently amount to $500 or more in any collision, so it is always a good idea to contact the police after a crash.
As a car crash lawyer in Boulder, CO, we would recommend that you make sure to seek medical attention as soon as possible after the accident. If the police or first responders recommend a trip to the emergency room, it is likely in your best interests to go along with it, no matter how you feel in the moment. You need to heed your medical provider’s recommendations and return for follow-up visits to ensure that your injuries are taken care of properly. Even if you do not require emergency treatment, you should still get a doctor’s examination. Some injuries can arise in the days or weeks following the incident. If you see a doctor in the days and weeks after the crash, make sure they are aware you have recently been in a car crash.
Your insurance agent should be able to discuss the next steps and provide a rough timetable, so you know what to expect. There may want you to give several details about the accident. Then, they will probably connect you with an insurance adjuster to evaluate the motor vehicle involved in the crash. The insurance provider may wish you to take your vehicle to a specific body shop for repairs and may provide you with a rental car while they are in progress. It is advisable that you do not offer the insurance provider any opinions about fault or your injuries. Bear in mind, insurance adjusters can be tricky, so please consider talking with a car crash lawyer in Boulder, CO as soon as possible.
The Law Office Of Richard J. Banta, P.C., Can Help
The Law Office Of Richard J. Banta, P.C., has served the Boulder area for years. Our car crash lawyers in Boulder, CO, can provide you valuable and responsive legal representation in the aftermath of a personal injury accident. Contact us today and schedule your free consultation.