Winter weather can impact your driving safety. Icy roads, reduced visibility, and hazardous conditions all increase the risk of car accidents. If you’re in a car crash, it’s important to know how to navigate insurance claims effectively. In this article, we’ll discuss how to handle insurance claims after a winter car accident.
What to Do After a Winter Car Accident
If you’re in a winter car collision, move to a safe location (if possible) and check for injuries. Get medical attention as soon as possible. Document the scene with photos or videos of the vehicles, weather conditions, and road hazards. Call the police to file an official accident report. Exchange your contact and insurance details with the other driver(s). Collect witness statements if you can.
Report the Accident to Your Insurance Company
Notify your insurance company of the crash as soon as you can, preferably within 24-48 hours. Provide the following information:
- Date, time, location
- Weather conditions
- Brief description of the incident
The claims process can take time. When navigating it, make sure to review your policy to understand your coverage, including collision, comprehensive, and liability provisions. Answer questions truthfully but avoid speculating or admitting fault. Keep records of your communications with your insurance company, including emails, letters, and notes from phone calls.
For single-car accidents, such as sliding into a ditch or hitting a guardrail, collision coverage will typically pay for repairs to your vehicle, minus the deductible. Comprehensive coverage might apply if the accident was caused by hitting an animal or falling debris.
For multi-car pileups, liability insurance covers damages and injuries you cause to others. Collision insurance covers damage to your vehicle if another driver isn’t fully liable. Uninsured or underinsured motorist coverage could apply if another driver’s coverage isn’t sufficient.
Negotiate a Fair Settlement
Make sure you understand the value of your claim. Estimate repair costs, medical expenses, lost wages, and other expenses. Be prepared to counter initial settlement offers and involve an attorney if necessary. If the insurer denies or undervalues your claim, working with an experienced personal injury attorney can help you navigate the settlement process more effectively.
Winter Accident Prevention Tips
Winter weather can cause road conditions to change quickly. Be cautious on the road, especially in winter months. Follow at a safe distance and be prepared to stop unexpectedly. Maintain your vehicle and ensure that it is ready for the challenges associated with winter weather.
Safe driving can minimize your risk of a winter car accident. However, if you do experience a winter crash, you can rely on Schuerman Law to help you navigate insurance claims and more.
If you or a loved one has been injured, contact the Schuerman Law office today. Schuerman Law has been working with personal injury claims for over 40 years. John Schuerman will compassionately advocate for injured individuals as well as their families while fighting for full compensation of their claims. Schuerman Law offers evening and weekend appointments in addition to home and hospital visits. Schedule a free consultation today by calling 1-800-274-0045.
