Being involved in a car accident can be quite a traumatic experience. However, you must contact your insurance company without delay. The company’s representative will have specific questions for you, and the interview may take place shortly after the accident or sometimes, over the phone. These questions will be centered on the accident and the circumstances surrounding it.
Although these interviews are straightforward, you need to be prepared and have your answers ready. It’s a good idea to contact a competent attorney who would guide you and provide advice on the matter. Every car accident, even regular fender benders are unique. Unfortunately, some accidents cause more damage and are more severe than standard ones.
The Insurance Claim Interview
If you have made a car accident claim, your insurance provider will send a representative to interview you. The broader purpose of the interview, which follows car accidents is to document the incident from your point of view. Your testimony is likely to be used while assigning liability for the car accident in which you were involved.
When the insurance representative is taking the interview, it’s crucial that you be completely honest. If you are unsure, do not make any assumptions or provide incorrect information. If you don’t understand the question fully or aren’t sure how to respond, its best to say that you don’t recollect that aspect of the incident.
Common Questions You Need To Have Answers To
Some of the common questions you may need to answer in an accident claim include:
- When did the accident take place?
- Where did the accident occur?
- How did this accident take place?
- Were any other vehicles involved?
- Was there heavy or moderate traffic on the road?
- Was the weather also a contributing factor?
- Who was involved?
- Did you have any passengers in the car?
- Whose fault do you think the car crash was?
- Did you hear or see anything which can help determine the cause?
Some Other Relevant Questions Include:
- Were you hurt in any way? If so, what are the injuries you sustained?
- Did the paramedics treat anyone?
- Was anyone taken to a hospital for treatment?
- If yes, where were they taken?
- Were there any witnesses at the accident site? If yes, what are their names & contact information?
- Was the vehicle towed?
- Did the police arrive at the scene? If so, which law enforcement agency was it? Do you have the police officer’s name & badge number?
- Did they file a report?
- Did they issue a citation or ticket?
- Does the vehicle require repairs? If so, which car repair shop is it at?
- Do you have receipts, bills, or any other paperwork that is related to the accident?
Your answers to these and others will provide the insurance company representative documentation about everything that occurred, from your viewpoint during the car accident. It also helps them to determine what damages resulted from the crash.
Consult an Experienced Attorney
At times, the sheer volume of questions and the number of details that they ask for may seem overwhelming. This is especially true if you are still recovering from the trauma and injuries from the accident. However, as mentioned earlier, it’s never a good idea to provide incorrect details or be untruthful. Be honest with your responses and tell them all the things you remember.
If you are fuzzy about specific details, do not feel that you need to have an answer for every single question. In situations such as these, you may have some questions of your own. It’s best to hire an experienced attorney. They will provide consultation, answer your questions, and offer sound and honest advice.