With your life changing in many ways the instant you’re involved in a car accident, you’re looking for anyone and everyone who can assist you. This includes your car insurance agent among other company representatives.
While it’s imperative to file a claim in a timely manner, don’t overlook the fact that your car insurance agent isn’t on your side. That doesn’t mean they’re purposely trying to “pull one over” on you. However, they’re always going to look out for the best interests of their company.
Here’s what you can do to ensure that your agent doesn’t take advantage of you:
- Review your insurance policy: Once you know the terms and conditions of your policy, you’ll have a clear idea of what to expect. Don’t let your agent tell you that you’re not eligible for something that’s outlined in your policy.
- Don’t sign anything: Your insurer may request that you sign some type of document or waiver, but you should hold off on doing so until you understand your legal rights.
- Don’t accept a payment until you’re ready to do so: For example, if your agent sends you a check marked as “final payment” you shouldn’t cash it unless you’re ready to close the claims process.
You need to have some contact with your insurance company after a motor vehicle accident, but don’t assume that you can let your agent lead you through the process. You need to do what’s best for you and your future. And that starts with knowing the steps you can take to protect your legal rights.