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Why You Shouldn’t File a Car Insurance Claim on Your Own

After a car wreck, you can feel all out of sorts. You’re hurt and stressed with wondering how you’re going to afford the expenses relating to your medical bills and vehicle damages. On top of everything happening around you, there’s also the pressure of filing car accident claim with your insurance company.  

While insurance is necessary to cover costs in cases of emergency, like these, insurance companies are in the business of making profit at your expense. They make money by charging you monthy payments while paying you out as little as possible in your time of need.  Insurance companies use your lack of evidence or words against you to either deny your claim or to compensate you as little as possible. 

If you’re feeling nervous about discussing your claim with an insurance agent because this might be your first time dealing with them or if you had a bad experience last time, don’t worry. The team of car accident attorneys at West Coast Trial Lawyers are here to guide you through what to expect when filing a claim and offer their help to handle business for you, the expert way. 

What to Do After the Crash

The moments after a car crash can be riddled with anxiety, and understandably so. However, after an accident, it’s important to quickly take the right steps that can help you build a successful car accident claim. 

In order to do this, you must never call your insurance agency first without speaking to a car accident attorney in a free case evaluation. They will let you know if you have a personal injury case on your hands, who is at fault for the accident, and help you build the foundations of a successful case that will yield maximum compensation for the damages and injuries you experienced in the crash. 

After the crash, you should take the following steps to start building a successful claim: 

  • Check to make sure everyone is okay, though don’t admit or even suggest that you were at fault  or partly at fault for causing the accident.

    Determing fault is something that an expert attorney can do for you or that the insurance companies will use against you if you go in alone. 

  • Call 911 for emergency services and request an ambulance as needed.

    The police should come on site to file an official police report of the accident, which can greatly help you build reputable evidence for your claim.

    Requesting emergency medical assistance is important to ensure that everyone is okay and to make sure that you get the medical attention you need. Not only this, but getting medical attention on site of your accident will also help build a stronger injury claim. 

  • Exchange information with the other party involved. 

    Be sure to get the name(s), driver’s license information, and insurance information of the other party or parties involved in the accident. This is essential for when it comes time to file your claim against the other party’s insurance. 

  • Record as much evidence of the accident and injuries as possible. 

    Although the job of the police officer who comes on site to make the official police report, it’s important that you also build your own report. Collect as much evidence by taking as many photos of the scene of the accident, property damage, injuries sustained from the accident. 

    Try to gather information and testimony from witnesses as well - this can be particularly valuable to building the strength of your case. Also, be sure to get the name, badge number, and police report number from the officer who made the on site report. 


    While you might feel in a bind and panicking about how you will cover the costs of the damages caused in the accident, don’t fret. 

    If you call you insurance agent right away without having a legal professional build your case and assist you, you could harm your case. The insurance company might deny your claim or work to offer your a really low and unfair settlement. 

    You need to first and foremost gather the information you need to build your claim, then speak to an attorney in a free case evaluation. 

  • Call an experienced car accident attorney to assist you in filing your claim. 

    You should always contact an attorney before contacting your insurance agency, because if you don’t, the insurance company could try to play you. 

    A good car accident attorney, like those at West Coast Trial Lawyers, will offer you  a free consultation to evaluate your case. Let the pros handle it while you focus on getting well. 

  • Get medical treatment as soon as posisble. 

    Whether you decide to take the ambulance or not, it’s important that you get physically assessed by a medical professional and continue recieving treatment for your injuries as soon as possible. 

    This is important to ensure that you recover well and lessen the chances of further complications down the road with any injuries sustained in the accident. 

    Not only this, but if you don’t receive medical attention right after an accident, the insurance company might try to use that against you and claim that you didn’t really get injured from the accident, but from some other incident. 

Meeting with an Attorney 

While meeting with an attorney can seem like a daunting task and a hassle if you feel like you’re in the desperate need for fast money to pay the expenses resulting from an accident, it’s important to know that speaking to an attorney can only help you in the long run.

Not only that, but a good car accident attorney, like those at West Coast Trial Lawyers, will offer you a free consultation as soon as possible, help cover the costs your bills for the meanwhile,  never charge you up front, and fight for the largest pay out possible. 

In the consultation, they will review your case by asking you what happened and examine all the evidence that you provide. They will converse with you to help gather information, determine who was at fault for causing the accident, and let you know if you have a personal injury case on your hands or not. 

After the free case evaluation, if you’re interested in pursuing the filing of your insurance company with the attorney who evaluated your case, you can let them know you would like them to move forward with building your case to file the claim on your behalf. They will take care of the rest - making sure that you get the care and coverage that you need. 

Dealing with Your Insurance Agent

If an insurance agent calls you to discuss the accident, you can refer them to your attorney. Don’t say anything regarding the nature of your accident or injuries. 

Simply refer them to your attorney. If you don’t, they might attempt calling you continuously to examine the case in order to get you to settle for less as soon as possible. 

Your attorney will deal with them from filing the claim to negotiating the settlement, and even taking the insurance company to court if needed. 

West Coast Trial Lawyers is Here to Help 

If you were injured in an car accident, the expert team of car accident attorneys at West Coast Trial Lawyers is here to offer you the help and support that you need. 

We offer free consultations and work on a contingency-fee basis, meaning that you won’t owe us a penny until we settle or win your case. Contact anytime, 24/7 to set up your free case evaluation by calling (213) 927 - 3700 or emailing [email protected]


If you have been injured in an accident, you can count on the legal team at West Coast Trial Lawyers to fight for your rights every step of the way. Contact us today to schedule your free case evaluation with a personal injury attorney.
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