If you have been in a car crash, you are probably going to have many questions, especially when it comes to dealing with the insurance company. Most people only know their insurance company as their friendly neighborhood agent, not the massive conglomerate that makes up the claims processing division. Your claim is not filed directly with your agent, so it helps to know the answers to car crash FAQ claim process whether you are in Bridgeport, Stratford, Fairfield, Trumbull, Shelton or anywhere else in Connecticut many of the questions we hear are answered here, and for more information, attorney Jim Miron would be happy to provide you with a consultation.
Answers to Your Car Crash FAQ Claim Process
Who do I file an insurance claim with?
Each insurance company has a claims processing division. They can be reached via a toll-free number. This number can often be found on your insurance card, online, or by calling your insurance agent. You will need to call this number and open a claim, though, in some cases, your insurance agent may request that they call you.
Why can’t I work with my insurance agent directly?
The insurance companies have created a layer of separation between the agents who sell the policies and the people process claims. The people working in claims processing only handle these types of claims, and they are trained to keep the payouts as low as possible. While they may be perfectly nice and polite, their goals are not in line with yours.
Do I need a confirmation number for my claim?
Yes, you will receive a claim number. That number will be used by your doctor and the mechanic fixing your car.
Who is going to pay for my medical bills?
Typically, your insurance company will pay for your car repairs and for your medical bills. They are billed by your provider and will issue payment. Once it is determined that the other driver was responsible for the accident, they will pursue their insurance company for reimbursement. Whatever your insurance company pays out now will be deducted from what you receive in the end.
Are they going to pay me money directly?
If through the process of settling your claim, it is determined that you are owed money, a check will be mailed to you. However, not all crash claims end with a financial award. This is one of the reasons you should hire an attorney. There are no guarantees that you will receive any compensation from the insurance company, and an experienced attorney is your best tool for achieving this goal.
How long will it take for my insurance claim to process?
This depends on the extent of your claim. If you were in a minor fender bender and are not pursuing any financial damages, the insurance company can process your claim for auto repairs very quickly. It could only take a couple of weeks. If you are seeking financial damages and coverage for your medical bills, it could take a year or more.
How much money will I get from the insurance company?
That depends on how badly you were injured. However, attorney Jim Miron will help you determine what your injury claim might be worth during a consultation.