Know how to handle Ohio car accidents with insurance companies

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When you are involved in a car accident, one of the things that usually has to happen is that you have to deal with the insurance company. It is important for anyone who is hurt in a car accident to understand that the way they deal with the insurance company representatives has a big impact on how the claim is handled.

One of the most important things to know when dealing with an insurance company is that there are strict time limits. Most insurance policies have time limits for bringing legal actions against the insurance company. FindLaw notes that most policies have a one-year limit. That time limit, however, isn’t the same as the Ohio statute of limitations for personal injury, which is two years from the date of the injury or discovery of the injury.

Another important point is that you must be honest with the insurance company, as lying can invalidate a policy or claim. With that in mind, you must remember that you don’t have to allow insurance companies to record conversations with you. Before you give any written statements or allow recorded conversations, make sure you fully understand your rights. This also extends to signing releases, waivers or payments marked as “final payment” from the insurance company.

Finally, keep accurate records of everything that has to do with the accident. If you can, take pictures of the accident and the injuries you suffered. Keep records of how much you spend on anything related to the accident, such as meals you had to purchase while seeking medical care. You should also keep track of how much time you spend pursuing your claim, getting medical care or taking care of other accident-related business.

Of course, these are only basic guidelines for someone who has been in an accident. Learning the laws pertaining to your case and reviewing your options might help you decide how to proceed with your claims for damages.

Source: FindLaw, “Car Insurance Claims: Dos and Don'ts” Nov. 07, 2014

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