How to Deal with Insurance Companies After a Car Accident
By:
Save on My Ride Team
Published: June 12, 2023
Last Updated: June 12, 2023
Being involved in a car accident is a stressful and overwhelming experience, and dealing with insurance companies can add to the complexity of the situation. Insurance companies are profit-driven businesses, and their primary goal is to protect their financial interests. As a result, they may attempt to minimize their liability and offer a settlement that may not fully compensate you for your losses. To ensure that your rights are protected and that you receive fair compensation, it's essential to understand how to navigate the insurance claims process effectively.
Key Takeaways
- Protect your rights
- Document everything
- Be cautious when providing statements
- Consider hiring a car accident attorney
Notify Your Insurance Company
After a car accident, one of the first steps you should take is to notify your insurance company about the incident. Most insurance policies require that you report any accidents within a specific timeframe, typically 24 to 72 hours. Failure to report the accident promptly could potentially jeopardize your claim or result in penalties.
When notifying your insurance company, provide them with the basic facts about the accident, including the date, time, location, and a brief description of what happened. However, it's crucial to avoid admitting fault or making any statements that could be used against you later. Stick to the facts and avoid speculating or providing unnecessary details.
Gather and Document Evidence
One of the most important steps in dealing with insurance companies is to gather and document as much evidence as possible. This includes taking photographs of the accident scene, the damage to the vehicles involved, and any visible injuries you or your passengers sustained. Additionally, obtain the contact information of any witnesses present and request a copy of the police report.
Keep detailed records of all expenses related to the accident, such as medical bills, repair costs, and lost wages. This documentation will be essential when it comes to negotiating a fair settlement with the insurance company.
Be Cautious When Providing Statements
Insurance companies may attempt to gather statements from you shortly after the accident. While it's important to cooperate with the investigation, be cautious about what you say or write. Anything you provide could potentially be used against you in negotiations or legal proceedings.
Avoid admitting fault or making any definitive statements about the cause of the accident. If you're unsure about the details or the extent of your injuries, it's best to say so. You can provide additional information as it becomes available or after consulting with a car accident attorney.
Consider Hiring a Car Accident Attorney
While it's not always necessary to hire a car accident attorney, there are certain situations where doing so can be beneficial. If you've sustained serious injuries, if there are disputes over liability, or if the insurance company is not offering a fair settlement, an experienced car accident attorney can help protect your rights and advocate on your behalf.
Car accident attorneys understand the complexities of insurance claims and can negotiate with the insurance companies to ensure that you receive the compensation you deserve. They can also represent you in court if a legal resolution becomes necessary.
Need Help Dealing with Insurance Companies?
Our experienced car accident attorneys can guide you through the insurance claims process and fight for the compensation you deserve. Contact us today for a free consultation.
Conclusion
Dealing with insurance companies after a car accident can be a daunting task, but understanding your rights and taking the right steps can significantly improve your chances of receiving fair compensation. Remember to document everything, be cautious when providing statements, and consider hiring a car accident attorney if the situation warrants it. By being proactive and assertive, you can protect your interests and ensure that you receive the support and compensation you deserve.
Frequently Asked Questions
Terms Of Use
Effective Date: June 7, 2023
Last Reviewed on: June 7, 2023
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Information About You and Your Visits to the Website
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Geographic Restrictions
The owner of the Website is based in the State of California in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
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Limitation on Liability
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Governing Law and Jurisdiction
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Arbitration
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Limitation on Time to File Claims
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Waiver and Severability
No waiver of by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
Entire Agreement
The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and 83 Consulting, Inc. with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.
Your Comments and Concerns
This website is operated by 83 Consulting, Inc., 1804 Garnet Ave. #358, San Diego, California 92109.
Feedback, comments, requests for technical support and other communications relating to the Website should be directed to: contact@saveonmyride.com.
Privacy Policy
Last updated on June 7, 2023
We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Policy.
Information We Collect
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Personal information does not include:
- Publicly available information from government records.
- Deidentified or aggregated consumer information.
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. | YES |
| C. Protected classification characteristics under California or federal law | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
| D. Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES |
| E. Biometric information | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO |
| F. Internet or other similar network activity | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | YES |
| G. Geolocation data | Physical location or movements. | NO |
| H. Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| I. Professional or employment-related information | Current or past job history or performance evaluations. | NO |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | NO |
| K. Inferences drawn from other personal information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO |
We obtain the categories of personal information listed above from the following categories of sources:
- Directly from you. For example, from forms you complete or products and services you purchase.
- Indirectly from you. For example, from observing your actions on our Website (such as page clicks, times spent, and other automatically collected meta data), and communicating with your web browser and the server that sent you to our Website.
- Internet cookies.
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following purposes:
- To fulfill or meet the reason you provided the information, which is primarily for the purpose of matching potential customers with providers of dating services. For example, if you share your name and contact information to request information about a dating website, we will use that personal information to respond to your inquiry and facilitate your introduction to the dating service provider.
- To provide, support, personalize, and develop our Website, products, and services.
- To create, maintain, customize, and secure your account with us.
- To process your requests, purchases, transactions, and payments and prevent transactional fraud.
- To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
- To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
- To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
- For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal information or as otherwise set forth in the CCPA.
- To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Sharing Personal Information
We may share your personal information by disclosing it to a third party for a business purpose. We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, and prohibit using the disclosed information for any purpose except performing the contract. In the preceding twelve (12) months, Company has disclosed personal information for a business purpose to the categories of third parties indicated in the chart below.
We may also share your personal information by selling it to third parties, subject to your right to opt-out of those sales. Our personal information sales do not include information about individuals we know are under age 16. In the preceding twelve (12) months, Company has not sold any personal information, but we anticipate selling the following categories of personal information to the categories of third parties indicated in the chart below shortly after the Effective Date. For more on your personal information sale rights, see Personal Information Sales Opt-Out and Opt-In Rights.
| Personal Information Category | Category of Third-Party Recipients | |
|---|---|---|
| Business Purpose Disclosures | Sales | |
| A: Identifiers | Email service providers Dating and relationship product and service providers | None |
| B: California Customer Records personal information categories | None | Dating and relationship product and service providers |
| C: Protected classification characteristics under California or federal law | None | Dating and relationship product and service providers |
| D: Commercial information | None | Dating and relationship product and service providers |
| E: Biometric information | None | None |
| F: Internet or other similar network activity | None | Dating and relationship product and service providers |
| G: Geolocation data | None | None |
| H: Sensory data | None | None |
| I: Professional or employment-related information | None | None |
| J: Non-public education information | None | None |
| K: Inferences drawn from other personal information | None | None |
Deidentified Patient Information
We do not sell or disclose deidentified patient information exempt from the CCPA to third parties.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Right to Know and Data Portability
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (the “right to know”). Once we receive your request and confirm your identity (see Exercising Your Rights to Know or Delete), we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business or commercial purpose for collecting or selling that personal information.
- The categories of third parties with whom we share that personal information.
- If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- Sales, identifying the personal information categories that each category of recipient purchased.
- Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
- The specific pieces of personal information we collected about you (also called a data portability request).
Right to Delete
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (the “right to delete”). Once we receive your request and confirm your identity (see Exercising Your Rights to Know or Delete), we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
We will delete or deidentify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.
Exercising Your Rights to Know or Delete
To exercise your rights to know or delete described above, please submit a request by email at contact@saveonmyride.com.
Only you, or someone legally authorized to act on your behalf, may make a request to know or delete related to your personal information.
You may only submit a request to know twice within a 12-month period. Your request to know or delete must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include: your name, date of birth, email address, and ZIP code.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
You do not need to create an account with us to submit a request to know or delete.
We will only use personal information provided in the request to verify the requestor’s identity or authority to make it.
For instructions on exercising your sale opt-out or opt-in rights, see Personal Information Sales Opt-Out and Opt-In Rights.
Response Timing and Format
We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please email us at contact@saveonmyride.com.
We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Personal Information Sales Opt-Out and Opt-In Rights
If you are age 16 or older, you have the right to direct us to not sell your personal information at any time (the “right to opt-out”). We do not sell the personal information of consumers we actually know are less than 16 years old. Consumers who opt-in to personal information sales may opt-out of future sales at any time.
To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting the following Internet Web page link: https://saveonmyride.com/do-not-sell-or-share-my-personal-information
Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back into personal information sales at any time by visiting our website and resubmitting your personal information (for example, by re-taking the online quiz).
You do not need to create an account with us to exercise your opt-out rights. We will only use personal information provided in an opt-out request to review and comply with the request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.
Changes to Our Privacy Policy
We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
Contact Information
If you have any questions or comments about this notice, the ways in which we collect and use your information described here, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at contact@saveonmyride.com.
If you need to access this Policy in an alternative format due to having a disability, please contact contact@saveonmyride.com.