Do call your insurance agent as soon as an accident or injury takes place.

Do take pictures, if possible, of damage to your vehicle, the accident scene, and your injuries.

Do review and understand your coverage before talking to your insurer or your agent. Read the “Coverage” and “Exclusion” sections of your policy.

Do take and keep detailed notes of all conversations with insurance company representatives, and get names, addresses phone numbers and job titles of people you speak with and claim numbers.

Do keep all receipts of meals, lodging, and purchases made in connection with time spent pursuing your claim or recovering from your injuries from the time of the covered event until final settlement with your insurance company.

Don’t give any recorded or written statements to your insurer or the other person’s insurer until you are sure you understand your coverage.

Don’t automatically accept the estimate or appraisal of your losses given to you by the insurer. Insurance companies will often try to get you to accept their estimator’s or contractor’s repair or replacement estimates, which might be a bit low.

Don’t sign any releases or waivers of any kind until you obtain legal advice. A bad financial situation after a major loss may make it seem necessary for you to accept a premature, inadequate settlement from your insurer.

Don’t ignore time limits set by your policy or state law.

We know that insurance companies often try to take advantage of unrepresented clients. We work hard for your clients to get them the money they deserve without their having to go to court. We work to get medical bills, lost income and money for pain and suffering. Delay can be costly so contact us today.