Immediately following a car accident, the first thing you should do is receive medical treatment. Doing so improves the likelihood of making a full recovery, and that’s your number one goal.

But shortly thereafter, once you’re able to do so, your attention will turn to your legal rights and the impact of the accident on your life. In most cases, obtaining compensation starts with filing an insurance claim.

While it appears to be a straightforward process, there’s nothing simple about filing a claim. There are challenges around every corner, including the fact that your agent and insurance company will do whatever they can to shortchange you.

Here are some common mistakes you need to avoid when making a car insurance claim:

  • Providing a written or recorded statement: Many people believe they’re under an obligation to do so, but that’s not true. You don’t have to provide any type of statement until you’re 100% comfortable doing so.
  • Accepting payment: Your insurance company may attempt to prey on your need for compensation. They do this by throwing a low ball offer your way, hoping that you’ll bite. If you do, you could sign away your legal rights for seeking additional compensation.
  • Don’t sign anything: No matter what you do, review every document in great detail before you put pen to paper. Adding to this, you may want to obtain legal advice before signing. This protects you against making a mistake, such as giving up some of your legal rights.
  • Don’t let your insurance company and/or agent push you around: The most important thing to remember is that your insurance policy is a contract. For that reason, your insurer must live up to the terms and conditions within it. Don’t cut them any slack. You pay for coverage, so you have the right to make a claim.

With so much happening after a motor vehicle accident, it’s easy to make rash decisions when making an insurance claim.

If you slow down, review your policy and take things one step at a time, you increase the likelihood of protecting your legal rights and obtaining all the compensation you deserve.