Today I’d like to talk about vehicle accidents and injury claims and some of the most common questions that I get.
Well, insurance companies around the area, around Spokane tend to be pretty quick about getting people on the phone. The first thing they are going to ask for is a recorded statement.
The best option is to get a police report. If you get a police report, you can send it to the insurance company and say, “Hey, the accident did happen. Here is proof of that.” It was your insured who hit me, please send somebody out to inspect the vehicle and get this process going.
It’s very important that you have Uninsured Motorists Coverage. If you don’t have those coverages in Spokane, I think it’s estimated that about 30 to 40 percent of the drivers out there have no, they don’t have either of those coverages. They are uninsured, or they don’t have enough liability coverage to protect you. So,it may be an accident where you’re not at fault at all, and they still are coming for you to. You’re still going to be left to pay your own damages even though you had nothing to do with the accident.