How to File a Car Accident Claim with Country Financial

Country Financials’ involvement in a claim is typically a favorable element, unlike many other insurance carriers. Although the company does not overpay claims, they are more likely than many other insurance companies to treat an injured individual with compassion and dignity, especially if the wounded person is one of their own clients. 

Contrary to most other insurance companies, Country Financial frequently assigns specific adjusters to specific locations, which causes our office to frequently work with the same adjusters on various situations throughout the years. This may be beneficial when you hire John Foy & Associates to help with your claim. An experienced Atlanta car accident lawyer can help handle the claim process and deal with the adjusters.

What Is a Car Accident Claim?

A driver makes a car insurance claim with an insurance provider when their automobile is damaged or they are hurt in a collision to obtain financial recompense. American insurance firms pay out more than $170 billion annually in auto insurance claims. Although states and insurers can have different procedures, the fundamental processes are typically the same.

The severity and origin of the injuries or property damage will determine when to file a claim. What or who caused the damage will determine which insurance provider you should submit a claim to. Call the insurance provider to make a claim, then provide them with your details and any supporting documents for the incident.

Depending on the situation and insurance provider, auto insurance claims typically increase premiums by 12% to 45%.

When to File a Claim After a Car Accident

While the statute of limitations establishes a time limit for going to court and submitting a personal injury lawsuit following an automobile accident, you should also bear in mind the two-year deadline when submitting an insurance claim. Negotiations with insurance companies may fail to yield the outcome you require to pay for the full amount of your injuries. 

If you try to settle with the insurance company while you are still trying to file your lawsuit, you might find that you are running out of time to do so.  For this reason, you ought to submit your claim as soon as you can.

What to Do After an Accident

Inform the police right away after an accident. Obtain the name, rank, and badge number of the police officer as well as the police station’s address and phone number. When the accident report is filed and how you can get a copy are questions you should ask the officer.

Ensure you record the other driver’s name, address, work and home phone numbers, state, license plate number, insurance company name, policy number, and the driver’s insurance agent’s contact information. Get the names and addresses of all the travelers and any witnesses.

Even if you are far from home and even if someone else caused the accident, notify your insurance company or agent as soon as you can when it happens. Discuss with your agent how to proceed and what paperwork is required to substantiate your claim.

Country Financials’ Claim Process 

By signing into your account, selecting Claim at the top of the page, and completing the form, you can submit your auto claim online. You can contact the claim assistance center by phone or mail if you do not want to file online. 

Whether you’re reporting a minor collision or a serious accident, a representative will get in touch with you right away. A claim representative is assigned to your auto claim, and they will phone you by the end of the following business day to get more information. 

After reviewing your claim, plans will be made to either examine or assess the damage to your car. In order to assist you in getting back on the road, we provide a number of practical appraisal choices, and your claim agent will walk you through the procedure.

Once the claim has been processed and you have been through the procedures, the claim will be resolved and closed. You can fight a claim if you are denied or think you should receive more in compensation. An Atlanta denied car insurance claim lawyer can help.

What to Expect After Filing a Claim

After Country Financial receives a car accident claim, the insurance provider often designates a representative, known as an adjuster, to handle it. The claimant now has a single point of contact with the adjuster for all inquiries and discussions.

The accident will be investigated by a Country Financial adjuster, who will determine who is legally responsible for the accident and who contributed how much to it. Ultimately, the adjuster will look over your medical bills, documents, and other evidence to assess your claim and determine a possible settlement range.

Do’s and Don’ts of Filing a Claim

There are a few strategies you can use to support your insurance claim, even if you might be powerless to stop another motorist from causing your car accident. Some of the do’s and don’ts to help support your claim include: 

• Do collect as much evidence as possible and document the accident. 
• Do call the police and emergency medical response.
• Do contact a car accident lawyer.
• Do report the accident to the insurance provider.
• Don’t ignore deadlines under your policy.
• Don’t sign any agreements, waivers, or offers without further consulting an attorney.
• Don’t ever admit fault to the insurance adjuster.
• Don’t take less than what you are owed. 

Never be afraid to challenge a denied claim. It is common for adjusters to lowball their first offer, and many people do not realize they can challenge the settlement amount offered. If the claim money does not cover all damages and injuries, it may be worth challenging the denied claim or even filing a lawsuit to gain the compensation you are deserved. 

Hiring an Attorney After a Car Accident 

When the accident in which you were hurt was not your fault, you should not be held responsible for the costs of your medical care, lost earnings, and other damages. Justice dictates that you receive the restitution you are due, but for those with little to no legal knowledge, the lawsuit process and even the claim process can be daunting.

Our Atlanta car accident attorneys at John Foy & Associates are prepared to stand up for your rights. We offer a free initial consultation to all of our customers to see how we can help with their claims. Call our office right now or complete the free case evaluation form on our contact page if you’re prepared to receive the compensation you’re due.