A traffic accident is a stress for all involved, but it does not end with the writing of a Record of a Traffic Accident or the departure of the police. This is just the start of the solution with the insurance company. Then again, you can opt for the help of the car accident lawyers.
How to fill in the accident report correctly
It is sometimes difficult with insurance companies. The average person often does not know what he is entitled to; on the contrary, the insurance company knows it exactly. And let’s face it, the less she pays you, the more she has left. Therefore, definitely do not expect it to be easy and you will automatically receive an amount from the insurance company that will cover all the costs it should have.If the insurance company does not want to pay, consult a best car accident lawyer.
Let’s assume that you were involved in an accident that you did not cause. The culprit either admitted his guilt on the spot and you filled in this fact in the record, or the police decided on his guilt. Attention! It is a good idea to take a picture of the whole situation as soon as possible after the accident, regardless of the fact that you are forming a convoy, in short, as soon as the situation allows you to well document the position of both or more cars as they remain. Then send the photos to the insurance company when you report the accident.
It is quite possible that the insurance company will send you the benefit, but not in the amount you would imagine, let alone to which you are entitled. When you ask why, you may encounter a number of arguments. Let’s look at the most popular ones.
“It didn’t happen the way you claim it”
This is the first favorite phrase of an insurance company that you will communicate with. It is used surprisingly often, although you have described exactly how the whole event happened. Sometimes the insurance company is even able to dispute an accident, which was properly investigated by the police. There is no point in giving way if your conscience is clear, doesn’t give up, defend yourself and stand by yourself again.
Amortization
Another popular argument by which the insurance company advocates a reduction in insurance benefits is the depreciation or wear and tear of parts that suffered damage in an accident. According to the insurance companies, the reimbursement of new parts would then increase the value of the vehicle. It is obvious that this argument is completely misguided. Don’t worry, the law is on your side and judgments have already been made on this issue, even the Constitutional Court has ruled in favor of the injured party. So feel free to reply to the insurance company that you are demanding payment of the full price of the repair or spare parts, because the traffic accident will definitely not evaluate the vehicle.
Of course, have the spare parts reimbursed for the ones you have on the vehicle, do not settle for a cheap Chinese bumper if you have lost the original. It should be noted here that the easiest way is to have your car repaired in authorized service. The insurance company will undoubtedly suggest “our service, with which we have good experience”. Don’t believe it so much, you can have your car repaired where you see fit, if you nod to the offer of the insurance company’s partner service, it is quite likely that the cheapest available parts will be used for repairs.
Other compensation that relates to a traffic accident and you can claim is basically any complications that you have suffered as a result of the traffic accident. Whether it is renting a replacement vehicle, lost profits or pain, we recommend dealing with these matters with a lawyer, or there are specialized companies that deal with this. It can also be solved retrospectively, if you come to the conclusion that you should have received more for an accident that you had half a year ago, do not be afraid to reopen the matter.