Over the past couple of posts we’ve been researching your rights in combination with auto accidents, for example, determination of fault and then in respect to injuries and financial losses. The last facet of your rights in regards to being involved in a car crash is an investigation of your rights in combination with insurance policies and the constraints they place upon you.
Insurance and You
The first thing to bear in mind when dealing with insurance in the aftermath of an automobile accident is that while you have rights in combination with your own insurance plan, you don’t have such rights in combination with another party’s insurance. It’s ideal to deal solely with your own insurance agents and allow them to interact with another party.
It is important not to admit to liability or fault. Often drivers that think they are at fault in an accident will try to settle the claim without even bringing the insurance firms into it in an effort to prevent rate increases. It’s ideal to always get a police record and work through your insurance to be able to protect yourself from future liability.
Your agreement with your insurer can frequently require you to get your repair work done at certain approved stores, and also to accept used or refurbished components when they’re available. These requirements are perfectly legal and you need to stick to them if you want your prices to be covered. However, this doesn’t mean that you must accept any components offered up by the store – you still have the right to inspect and insist on good quality components, whether they are rebuilt or refurbished.
Your insurance company is under no obligation to accept your quote if it’s higher than the one supplied by the insurance company, but often they’ll take it into account when calculating compensation.
You also always keep the right to sue another party or another party’s insurer at any time, even though there could be consequences in the kind of rescinded compensation offers and the reduction of insurer-paid attorneys. However, if you think your interests aren’t being served you always have the right to pursue your own individual legal actions.