Car accidents are an unfortunate reality that drivers must face. Try as we may to avoid them, they have a habit of occurring when we least expect it. Depending on the severity of the accident, the resulting property damage, and/or injury, it is not uncommon for insurance companies to get involved to conduct an investigation of how and why that particular accident took place. Evidence that is collected as part of an investigation of an accident is often crucial in assigning fault and determining compensation figures between the parties. Evidence in an insurance company’s accident investigation can include information that is obtained directly from you, such as:
- Your policy number (usually listed on your insurance card)
- Date of the event
- Location of the event
- Your recollection of how the accident occurred
- Name and insurance information for the other party involved
- Name of the police department involved and the police report number (if applicable)
- Official documents and information that is not directly within your control may also be obtained for review as evidence in the investigation. These can be:
- Police reports
- Department of Motor Vehicles accident reports
- Medical records
- Medical Bills
- Proof of wage loss
As part of the investigation, your car insurance company will conduct research on you (both online and with respect to your claim history) to identify any possibility of fraud. These searches are performed to target inconsistencies and potentially false statements relating to the accident, and can run as deep as pictures and posts made on personal social media accounts.
Despite the inconvenience and loss associated with getting into an accident, investigations that follow can be an important step in the direction of recovery and rehabilitation. Parties to an accident investigation should be forthcoming and cooperative, but may choose to speak with an attorney for advice on how to best protect their rights and prosecute the claim to serve their interests.