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When a policyholder has given notice to an insurance company that he or she has been involved in an accident, then that same policyholder has complied with the terms of a contract.
Who should be notified?
If desired, a policyholder could contact his or her agent. During the course of that same call, the agent should receive details on the time and date of the accident. In addition, the agent should be asked for a letter that would confirm the sharing of the received information with the insurance company’s claims department.
Policyholders that have chosen to contact their adjuster should expect to receive a letter from the claims department, one that ought to confirm the department’s receipt of a call from the policyholder’s agent, a call that had been made a specific date. Those policyholders that fail to receive such a letter should make a point of calling the claims department on their own.
Any policyholder that has not reported a recent accident to his or her agent should call the claims department at the insurance company that is supposed to receive reports from the same policyholder’s agent. No potential claimant should assume that details, regarding a specific collision, have been passed on to the correct offices.
Actions expected of a claimant
Anyone that has submitted a first party claim ought to plan on cooperating with his or her insurance agency. That cooperation should take the form of an agreement to have someone from that same agency inspect the damaged vehicle.
Sometimes, the same claimant could be asked to sign a form that would grant permission for a release to the insurance agency of all of the claimant’s medical records. Sometimes the claimant must set aside time for a personal inspection of those same medical records, with an eye towards selecting only the most relevant ones, and then arranging to have them sent to the adjuster’s office.
On occasion, an insurance company asks permission to exam a claimant’s credit report. That would not be relevant to the investigated accident, as per personal injury lawyer in Sudbury. Thus, the request related to the credit card records should be crossed out, before the form that contained such a request has been signed and returned to the correct department at the insurance company.
Typically, insurers like to be sure that any claimant is familiar with the insurance company’s need to receive subrogation, if another agency or business has paid for some section of the damages that have been claimed by a given accident victim. Hence, some insurers send a simple notice, concerning each claimant’s obligation to arrange for subrogation payments. A few insurers send claimants a subrogation form, one that is supposed to be signed and returned.