If you have been involved in an accident you may want to know what your duties are under your insurance policy. An insurance policy is nothing more than a contract between you and your insurance company. You pay a monthly premium, and in exchange the insurance company provides you benefit coverage if you are involved in an accident.You do not have the same duty to cooperate with the other driver’s insurance company.
Most if not all insurance policies, requires you to call your insurance company as soon you have been involved in an accident. This is generally referred to as the Duty To Cooperate. If you fail to comply with the policy requirements, your insurance company may deny you valuable coverage. In most cases after you call in the accident, you will be called back by an adjuster to give a recorded statement. It is advisable that you speak with an attorney before you do so. Most attorneys will not charge you for the initial consultation. Once you give the recorded statement, your insurance company will have a permanent record of your account of the accident, and if you were injured.
The duty to cooperate may also require you to submit to an Examination Under Oath “EUO” and/or an Independent Medical Examination “IME”. An Examination Under Oath “EUO” is generally requested if the insurance company believes there maybe a policy defense. An Independent Medical Examination “IME” is generally requested if the insurance company is questioning the nature or extent of your injuries.
If you have been involved in an accident call me for a free consultation at 813-281-8801 or email me at email@example.com.