If you have an accident, one of the first things you should do is to alert your insurance company to what has occurred. This process needs to be done quickly to ensure that there is ample time to document what has occurred so you can obtain the compensation owed to you. There are a few things to know before you make the decision to file that claim, though.
As you learn how to file a car accident claim with Travelers Insurance, know that our legal team is always available to guide and support you as you pursue financial compensation. At John Roy & Associates, we are committed to ensuring your needs are met throughout this process. We do not encourage you to file a claim without legal guidance and support – let an Atlanta car accident lawyer handle the insurance company for you to minimize risks after suffering an injury.
Filing a Claim Through Travelers Insurance
If you decide to file a claim with Travelers Insurance, you have a few specific steps to follow. Travelers Insurance is a large organization noted for its wide range of insurance products. The company offers car insurance in Georgia throughout the state, and it has been noted as one of the largest organizations in the country.
The company is rather modern and offers a range of tools to make filing a claim easy to do. That includes a simple online claims process on their website as well as a phone-related service. You can call 1-800-CLAIM33 to file a claim at any time with the company. Most of this process is automated and straightforward.
Travelers may require that you answer their questions through their virtual tools and videos or with an in-person visit, depending on the situation. They will then work with you to determine if repairs are possible and, if so, where to obtain them.
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Do You Need to File a Claim with Travelers Insurance?
After a car accident, it is a good idea to file a claim with your car insurance provider, no matter if you were at fault or not. This will help ensure that all information is documented and that your insurance company can go to work to support you if they are responsible for doing so.
Some people may elect not to file a claim against their car insurance policy if the damages are over and above their deductible. However, if the other party is responsible for your losses, we encourage you to file a claim. This will help ensure that there is evidence of what occurred on file.
How to File a Claim with Travelers Insurance
Once you are ready to file a claim, we encourage you to contact your insurance agent at Travelers Insurance. While the online process is there to help you, it is not always the simplest of tools. It is often best to contact your agent in your hometown to get help with this process, especially if the other party is at fault and responsible for your losses.
The agent will:
- Gather information about your case and then verify that your policy offers coverage for any claims necessary.
- Obtain a copy of the police report to keep with your family.
- Help you to determine if there is a deductible on your policy, and if so, what you may have to do to receive compensation owed to you.
If the other driver is at fault, but for any reason, you cannot reach them, or they do not have insurance protection, your insurance company should help you if you have uninsured and underinsured coverage in place. They will help to track down the responsible party in many cases.
Know Your Rights When Filing a Claim with Travelers Insurance
No matter who is at fault, when speaking to an insurance company, you, as the victim, have rights. Some insurance companies may try to sidestep those rights, and that puts you at risk for complications later.
There are several specific things you should know before you apply for coverage.
Insurance Companies Cannot Misrepresent Themselves or Their Services
They cannot lie to you outright about your insurance policy and coverage. They also cannot impose requirements on you that are not already documented within your policy. They cannot offer you a lower than reasonable amount on your claim in an effort to minimize your ability to go to court against them.
They Need to Respond to You and the Claim
Though the claims process may seem long, you still have rights throughout it. For example, the insurance company has to act promptly with respect to any insurance claims you are charged.
They cannot accept or deny a claim to you if a reasonable amount of time has passed. They also cannot deny your claim without a reasonable basis for doing so.
They Need to Meet Investigation Rules
Insurance companies cannot refuse to pay a claim without conducting a thorough investigation. They also cannot fail to complete an investigation within a reasonable amount of time in an effort to draw out the process. The insurance company cannot conceal information they learn from you or destroy (or change) any documents or other evidence in your case.
If you file a claim with Travelers Insurance and you do not receive the compensation owed to you, or you cannot get them to respond to you, know you have rights.
How Our Personal Injury Attorneys Can Help You
At John Foy & Associates, we work with clients facing a wide range of legal matters, and oftentimes insurance companies are very limited in the amount of coverage they will provide or when they will offer it. It can be difficult to know where you stand. Let us help you.
We can help you learn how to file a car accident claim with Travelers Insurance when you give us a call. Let our attorneys remain on your side as you pursue the compensation owed to you as well.