February 15, 2024

The aftermath of a car accident can be stressful and confusing, especially when dealing with insurance companies. In Indiana, where a fault-based system applies, understanding your rights and navigating the claims process is crucial. This blog post by Ball Eggleston aims to guide you through the essentials.

Immediate Steps:

Seek Medical Attention: Your health is paramount. Check for injuries and get medical attention, even if you feel okay initially. Document everything with bills and reports.

Report the Accident: File a police report within 24 hours, even for minor accidents. This establishes a record of the event.

Gather Information: Exchange insurance information and contact details with all involved parties. If possible, collect witness names and statements.

Notify Your Insurance: Inform your insurance company promptly about the accident. Don’t discuss fault or speculate — provide factual details.

Filing Your Claim:

Understand Your Coverage: Review your policy with Ball Eggleston’s team to understand your coverage limits for property damage, medical expenses, and personal injury.

Gather Evidence: Take photos of the accident scene, vehicle damage, and injuries. Collect repair estimates, medical bills, police reports, and witness statements.

Submit the Claim: Contact Ball Eggleston or use their online portal to file your claim. Be truthful and concise.

Dealing with Adjusters:

Be Cooperative: Provide requested information promptly, but don’t volunteer unnecessary details.

Don’t Accept the First Offer: Insurance companies often start with low offers. Ball Eggleston can negotiate based on your documented damages and losses.

Consider Ball Eggleston: If the accident was severe, there are complex issues, or the insurance company denies your claim unfairly, Ball Eggleston’s experienced car accident attorneys can fight for you.

Important Tips:

Keep Records: Maintain meticulous records of all communication, documents, and expenses related to the accident and claim.

Don’t Discuss Your Claim on Social Media: It can be used against you by the insurance company.

Seek Legal Advice: If you have doubts about fault, coverage, or the fairness of the settlement offer, contact Ball Eggleston for a free consultation.

Remember: You have rights after a car accident. Understanding the process, gathering evidence, and negotiating effectively with Ball Eggleston by your side can significantly impact your claim’s outcome.