Any type of motor vehicle accident will lead you to file a claim with your car insurance company. And while the process itself sounds simple enough, there’s something you need to remember: Your insurance company isn’t on your side.

No matter what type of relationship you have with them, they’re looking out for their own best interests. For that reason, you need to take the exact same approach.

Here are some steps you can take to protect your legal rights when filing a car insurance claim after an accident:

  • Review your policy: Before you do anything, review the terms and conditions of your policy so that you understand the ins and outs of your coverage. If you neglect to do so, you’re putting your insurance company in a position of power. Your policy is your contract, so your insurer is required to provide coverage as outlined within.
  • Watch what you say: It’s one thing to file a car insurance claim, but another thing entirely to share too much information regarding your accident. The more you say, the better chance there is that you’ll slip up. And remember, you’re not legally required to provide a written or recorded statement before speaking to a lawyer.
  • Don’t accept an early offer: Your car insurance company may make you an early, low ball offer. They do this with the hope that you agree, as this allows them to close your claim for less than what they actually owe you. Don’t make this mistake, no matter how tempting it may be. You want to obtain all the benefits that are owed to you as outlined in your policy.


It’s easy to fall into the trap of trusting everything your car insurance agent tells you. This is particularly true if you have a longstanding relationship.

As you deal with the aftermath of a motor vehicle accident, make sure you’re focusing enough time and energy on your injuries and making a full recovery. This is what’s most important.

You should also manage the insurance claims process to the best of your ability, as this allows you to secure all the compensation that’s due to you.