So what if State Farm is the biggest insurance company...
Read MoreAuto insurance claim investigation process Allen Accident Law Fort Collins COAfter you’re involved in a car accident in a city like Fort Collins, the insurance companies will immediately start their auto insurance claim investigation process. The immediate start is because insurance companies want to limit their losses when paying out on any accident claim.
Insurance companies are in business to make money, not to lose money. So, insurance companies take both property damage and bodily injury claims very seriously. They have a team of investigators and adjusters who want to get a jump start on each and every claim.
A lot of people think that they pay for car insurance and that their car insurance company will be there when they have an accident. Right? Well, it does not exactly work that way, although it should. As I stated above, insurance companies are not in business to help people. They are in business to make money and if they can get out of paying a claim, due to contractual reasons or due to the facts, then they will gladly do so.
Normally, if you are involved in a car accident or car crash you call your own insurance company to initiate a claim (whether for property damage and/or bodily injuries).
Once you call your own insurance company or your insurance company’s claim’s department, a claim will be set up and transferred to a particular insurance adjuster in the company who specializes in either property damage or bodily injuries or both. That adjuster will develop a claim number and will attempt to get ahold of you right away.
Since this is your insurance company, you have a contractual duty to cooperate with them, give them a recorded statement and anything else that will help them determine liability or fault. If you decided not to cooperate, then your insurance company could deny coverage for the claim. You do not want that to happen.
Therefore, make sure you call your adjuster back and cooperate with them by sending photos, car repair estimates, etc. However, do not cooperate or talk to the other side’s insurance company. Repeat, do not talk to the at-fault driver’s insurance company or insurance adjuster. They will use anything you say and twist it in a way to help their own insured. You need a skilled lawyer to talk to the at-fault party’s insurance company.
As soon as the at-fault driver’s insurance company receives notice of your claim, they will get started on their auto insurance claim investigation process. They will obtain the accident report from the local police department if the police did come to the scene. Normally then, the at-fault driver’s insurance company will do the following:
The at-fault driver’s insurance company will start investigating you by doing the following:
My name is Doug Allen and I have more than 30 years of negotiating car accidents and other motor vehicle accidents with insurance companies. In fact, I started my legal career back in 1990 by representing insurance companies when defending these types of claims.
I represented companies like State Farm and GEICO, among others in denying claims and defending the insurance companies in court. I now use that very experience in getting the best settlements for my injured clients.
If you have been injured in a car accident, truck accident, motorcycle accident, bicycle accident, pedestrian accident or any other type of motor vehicle accident in Fort Collins, Loveland, or other cities in northern Colorado, I can get you the highest settlement possible based on the injuries you have sustained.
Please get in touch or call me for a free consultation and I will meet you at your home, work or anywhere that suits you.
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