Ivey Law Firm, P.C.
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Key facts about your auto insurance

Maintaining auto coverage is essential and required. Certain auto insurance providers may make it seem as if they serve their policyholders, but as a business, they are there to serve and protect their interests first.

Therefore, it is up to the insurance holder to look out for his or her best interest, too, especially regarding an auto accident claim. To accomplish this, there are a few key things to know.

Coverage requirements

Along with state requirements, each insurance company has its own requirements and restrictions. In addition, there may be caps on specific benefits. Understanding these various aspects of a policy is important, so insured parties know how a claim truly benefits a specific situation. 

Interactions with the insurer

While the insurer's job is partially to assist the insured party, it is also to do what is most cost-efficient for the company. Therefore, insurers will likely try to offer the lowest claim compensation possible. This begins with a statement from the insured party. For this reason, it is in the insured person's best interest to stick to the facts and keep all statements truthful and concise. Any inconsistencies could lead to a claim denial or decrease in payment.

Proper filing

Claimants must file their claims properly. Missing or incorrect information within a claim may lead to delays, even denials. On the other hand, if a party files the paperwork correctly and still receives a denial, it could be grounds for a court claim. This could be quite lucrative, especially in cases of serious injuries.

Along with being aware of how to interact with an insurance provider, insured individuals must be familiar with an insurance policy in general. Sometimes, insurance providers may change aspects of plans with little to no notice. For that reason, it is advisable that insured parties review their plans throughout the year, or at least annually.

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