Recovering from a car accident is difficult enough without the added stress of filing an accident claim and holding insurance companies accountable for their share. Adjusters work hard for insurance companies to make sure that they don’t overpay for a claim. While this is great for insurance companies, it can pose challenges for customers trying to receive the true value of their claims. That’s why having a car accident attorney that can fight for you is so important.
If your insurer is Infinity Auto Insurance, learning about the claims process can help you decide if and when you need legal representation. In this article, we describe what a car accident claim is, explore how Infinity Auto Insurance handles car accident claims and explain when you should seek help from a car accident lawyer.
What Is A Car Accident Claim?
A car accident claim is a definitive statement for your insurance company that outlines the details of your auto accident, including the resulting damage.
Aside from describing the circumstances of the accident and damages the vehicle sustained, car accident claims can also include details about personal injuries. Auto accident injury claims include a request for compensation for any injuries sustained as a result of the car crash. If you have Infinity Auto Insurance and medical bills due to injuries that occurred during an auto accident, you may be able to add personal injury damages to your car accident claim.
In order to file a car accident claim with Infinity Auto Insurance, or any other auto insurance company, you must have an active insurance policy. If your policy is in good standing, you may be eligible for financial compensation. In other words, if your insurance policy was cancelled due to an issue like non-payment, you cannot file an accident claim.
If you file an insurance claim with Infinity Auto Insurance but they fail to offer you a settlement that appropriately compensates you for property damage, personal injury or damage from an uninsured driver, an experienced car accident lawyer can help you negotiate your claim or file a lawsuit so that you can get a better settlement.
Who Is Infinity Auto Insurance?
Infinity Property & Casualty Corporation is an insurance provider that was founded in December 2002. Infinity’s parent organization is Kemper Insurance Company and its subsidiaries include Infinity Auto Insurance Company, Infinity Insurance Pool and more. Infinity Auto Insurance operates a non-standard provider that primarily uses brokers and agencies to write policies.
The auto insurance policies that Infinity offers are tailored to individuals that might otherwise be unable to get auto insurance due to things like owning a certain type of vehicle, the driver’s age or traffic violations. The company’s coverage plans include:
- Auto insurance
- Motorcycle insurance
- Classic car insurance
- Commercial general liability insurance
- Commercial auto insurance
- Miami rideshare insurance
- Boat insurance
- RV insurance
- ATV insurance
- Umbrella insurance
These plans offer protection from a variety of accidents, including auto, truck, motorcycle, bicycle, boating and pedestrian accidents.
What To Do If You’re Involved In A Car Accident
You should follow these steps after a car crash:
1. Call 911
You should call 911 immediately to inform them of the crash. Give the operator details about the location of the accident, such as landmarks or highway mile markers, so that the police and paramedics can find you. If you feel that the other party was at fault and/or that there is more than $500 of personal or property damage, you should file an accident report with the police.
2. See A Doctor
It’s extremely important that you seek medical attention immediately after you’ve been involved in an auto accident, even if you feel fine. In some instances, a serious injury can have delayed symptoms, causing it to go unnoticed for hours or even days. Save any records of your treatment, because you can usually add the medical bills from your accident to an insurance claim.
3. Write Down The Details Surrounding The Accident
Quickly take note of things like which direction you were traveling, what color the traffic light was and if the driver was using their cell phone or swerving. Exchange insurance information, contact information and vehicle details with the other driver involved. Some of the most important relevant information includes the vehicle’s year, make, model, vehicle identification number (VIN) and license plate number.
If you’re involved in a hit and run, write down anything you remember about the other vehicle. Even seemingly small details can help law enforcement track down the driver. Aside from gathering information about the other vehicle and driver, you should also ask the police officers on the scene for their name, badge numbers and contact details.
4. Gather Witness Accounts And Evidence
If you’re able, take videos and photos of the accident scene and the vehicles involved. This evidence can help determine key details about the cause of the crash, including weather conditions and/or the other driver’s state. If there is a cooperative witness on the scene, ask them if you can take a video as they recount what they saw. Make sure to ask for their full name and contact information as well.
5. Contact Infinity Auto Insurance (Or Your Insurer)
Let Infinity Auto Insurance know about the accident as soon as you can so that you can file your claim and receive appropriate compensation. While filing your claim, make sure you share important paperwork with them, such as the police report and medical report.
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The Infinity Auto Insurance Claims Process
When you file a claim with Infinity Auto Insurance, it goes through these steps:
- You file a claim. To report a claim with Infinity Auto Insurance, someone must contact one of their First Notice of Loss (FNOL) adjusters by calling 1-800-INFINITY. The person filing the claim can be the policyholder, the other party involved in the accident, an insurance agent or the other insurance company. Once on the phone, the adjuster will ask for basic information, such as your policy number, a statement and the type of claim you’re filing.
- Infinity decides on next steps. If the circumstances surrounding an accident are simple, the claim usually stays in FNOL. When a claim is more complex, on the other hand, the insurance company typically wants more information about the accident. Complex claims are either given to a local adjuster in the Initial Action department or, in some cases, Infinity’s Alabama headquarters investigates.
- An adjuster investigates. When an Infinity adjuster receives a new claim, the first thing they do is contact all of the parties involved, including any witnesses, so that they can gather recorded statements. They then review the policy, ensure there was coverage when the accident occurred and determine which party was at fault for the auto accident.
- Infinity approves or denies the claim. If the adjuster finds that you have coverage for the damages, they will contact you to arrange vehicle repairs. If they find that you were at fault for the accident, they’ll help the other party get their vehicle repaired. Infinity can deny claims for a number of reasons, but the most common is because someone’s coverage lapsed due to nonpayment.
When Should You Hire A Car Accident Attorney?
If Infinity denies or underpays your claim, an experienced car accident attorney can help you get the money you deserve.
A claim is considered underpaid if it’s unable to cover worker’s compensation, damages or medical expenses. Car accidents often result in injuries that require routine therapy or extended medical attention. If you’re struggling to cover the expenses related to your personal injury claim, contact an attorney today.
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Florin|Roebig: Car Accident Attorneys
If you or a loved one are having trouble getting a fair settlement for your auto insurance claim, the law firm of Florin|Roebig is here to help. Call us today for a free consultation at (800) 226-6581.
