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What you should know about dealing with insurance after accidents

When you are involved in a Rhode Island car accident, it can be extremely difficult to remember the training that you underwent when you tested for your driver's license. Your mind is going a million miles an hour and you don't think about what you should be doing. Instead, you just want to make sure you're alright and all the individuals who are involved in the car accident are also okay. The last thing you're thinking about is your insurance. Unfortunately, this may be your first mistake.

While ensuring everyone is safe and sound, it is also important that you get the ball rolling on your insurance claim as soon as possible. You want to get in contact with your insurance agent immediately. In fact, you may even want to do it while you're waiting to see the doctor, if you're able. You also want to make sure that you understand your coverage prior to speaking to your agent. When you do talk to your agent, make sure to write down notes, including important details of the conversation and the names and job titles of the people you speak with.

If you do not understand your coverage completely, you don't want to give a written or verbal statement to anyone. If you feel uncomfortable with the estimate of your losses that is given to you by your insurer, get your own. You don't have to accept theirs. Don't forget that your insurance company has a legal obligation to provide you the coverage that it guaranteed to deliver to you, so don't be shy about enforcing that commitment.

If you have trouble dealing with the insurance company, you feel that you aren't being offered a fair settlement or you think the other driver was at fault for the accident and you were seriously injured, you may want to consider speaking to a personal injury attorney. Our Rhode Island personal injury law firm can examine the details of your case and help you determine whether there is merit to your individual case. We can advise you on how to proceed and ensure your rights are protected every step of the way.

Source: FindLaw, "Car Insurance Claims: Dos and Don'ts", Accessed on March 30, 2016

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