The best drivers out on the roads of Illinois will still get into an accident at least once in their lives, according to statistics and history. To help keep car accidents somewhat uncomplicated and help people recover from collisions, Illinois also requires each driver to have valid auto insurance. But just because you have car insurance does not mean you will know what to do if you are ever in a crash. In fact, most auto insurance companies won’t even tell you what to do – they’ll just say to call them. That’s not really the right choice either and it certainly isn’t all you need to know.
The Rundown On Filing A Car Insurance Claim
First of all, you should know when you should be filing a car insurance claim for compensation and damage recovery. The answer is pretty straightforward: whenever you have been in an accident that caused injury or damage to your vehicle. You should also file a claim when your car has been vandalized, stolen, or damaged by a natural disaster or other unforeseen incident.
Secondly, you have to gather up plenty of information to make certain you are being as thorough as can be.
Information and data important for filing your claim includes:
- Names and policies numbers of all drivers
- Driver’s license and license plate numbers
- Beginning and end of all drivers’ policies
- When and where the accident occurred
- Weather conditions at the time
- Contact information of any witnesses
Gather it all up and make extra copies if need be. Don’t forget to collect any additional evidence that could be useful, such as photographs taken at the scene.
Lastly, you actually need to tell your insurance company about the accident, but don’t be too hasty. If you say the wrong thing at the wrong time to your own insurance carrier, they might start to believe you were liable for the crash, even when you were not. This could severely reduce the amount of compensation they are willing to offer you.
Rather than contacting your auto insurance company and filing your claim alone, running the risk of accepting liability, you should first contact our Chicago car accident attorneys from Boudreau & Nisivaco, LLC. We can start by assessing your claim during a free initial consultation to double-check that you have everything in order. After you retain our services, we can talk to your insurance company for you, filing the claim with accuracy and without the risk of inadvertently making you sound responsible for the collision. Also, if the liable party or your insurance company does not want to do their part and give you the coverage you require, we can help you create a lawsuit to pursue full and fair compensation.
Dial 312.620.1261 to speak to a Chicago personal injury attorney from our firm today.