Insurance Claims - After an accident which insurance company will pay the property damage?
After your car wreck I’m sure you’re a bit confused on where to start with recovering physically and financially. Things aren’t as bad as you would think at first. The one thing that could throw off your personal injury claim or property damage claim is having the insurance adjuster contact you. This “pal” of yours is asking for a statement or for you to sign forms, which is a whole different story. What we’re focusing on here is what you should knock out first, the personal injury claim or property damage claim?
I know I've shared bad news with you about the fact that you'll have to deal with a difficult insurance company which will pretend to be your friend, but now I have some great news. There isn't a specific order you have to handle your claim when it comes to personal injury or property damage. They're two separate things, which is great as you don't have to stress and add that to your list of things to worry about.
When you go to handle the property damage claim, feel free to work with the insurance company, where they will either want to repair your car or just total it. You'll most likely receive a check then have to sign a release form, but here's the key - make sure the release form is only for the property damage and not the personal injury. This could be a sneaky tactic, so be aware of what exactly is in front of you that you're signing.
I’m not promising that you will have an easier time handling your property damage claim before your personal injury claim, but it definitely wouldn’t hurt to knock out one before you focus on the other. Property damage claims tend to be a bit more straightforward than personal injury and a bit less messy, which is why I encourage you to knock it out right away!