If you recently filed an insurance claim after sustaining injuries or property damage in a Twin Cities car accident that wasn't your fault, you may have been told that your case will be investigated and wondered just what that entails. While the investigative process can vary by insurance company, the following steps are common in most claims investigations:
- An insurance adjuster is assigned to your claim. This adjuster will handle the investigation and, in some cases, may be a member of the insurance company's Special Investigations Unit (SIU), which is tasked with detecting and deterring insurance fraud.
- The adjuster will contact you and go over your insurance policy to make sure it covers your claim.
- The adjuster will review your version of events and ask for additional information. The requested information often includes the claimant's insurance policy number, the date and location of the accident, a description of how the accident happened, contact and insurance information for the other driver, witness contact information, medical bills, vehicle repair or replacement estimates or invoices, and proof of lost wages.
- The adjuster may ask you to sign a release that gives the insurance company access to your medical records. It's important to consult an attorney before doing so, as the adjuster may use the information in these records against you.
- During the investigation, the adjuster will contact witnesses and may even visit the accident scene, take photos of your damaged vehicle, have your vehicle inspected, or even follow you to ensure you're as injured as you've claimed.
- The adjuster will determine who was at fault for the accident. Thanks to Minnesota's comparative fault rules, victims may still be eligible to collect damages, even if they were partially responsible for the accident.
We Can Help You Find a Lawyer and Doctor After a Twin Cities Car Crash
After a serious car crash, there's far too much at stake to go it alone. Having professional legal and medical support can increase the likelihood of a successful claim resolution. Our free referral service connects you with experienced local lawyers and doctors who can help you fight for the compensation you need and deserve. Don't wait—call 763-251-PAIN today!