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How Insurance Companies Investigate Car Accidents

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How are car accidents investigated? Only a Buffalo car accident lawyer will have your back against the insurance companies!BUFFALO, N.Y. — One of the first steps a person might take after being involved in a car accident is to call their insurance company to report the accident and file a claim. In most cases, an insurance companies are responsible for covering the costs of medical treatment, lost wages, and more.

Unfortunately, many insurance companies fail to properly reimburse their policyholders. After filing an accident claim, an insurance representative will typically contact you to try to get more information. They’ll often ask you about some of the details of your claim, such as medical records and any evidence that you lost wages because of the accident. The insurance adjuster will then review your policy to determine available coverage. As this person investigates your claim using the information you provided, their primary objective is to save the insurance company as much money as possible.

Why Does My Insurance Company Need to Investigate My Accident?

Insurance companies conduct investigations of accident claims to find and opportunity to deny your claim. These corporations have a financial incentive for refusing to pay the claims of their policyholders. In some cases, these companies may even reward insurance adjusters for finding ways of denying legitimate claims for compensation. This is how many of the country’s top insurance companies maximize their profits — denying their loyal policyholders the funds they need to recover from a car crash for which they were not at fault.

It’s not uncommon for insurance companies to come up with illogical reasons to deny your claim. To prevent such manipulation, it’s a good idea to get a Buffalo car accident attorney involved in your case, even before you speak with an insurance agent.

The Insurance Company Approach to Accident Investigations

Most insurance companies employ investigators whose entire job is to detect and deter insurance fraud. These individuals typically have law enforcement experience and extensive knowledge of New York State insurance laws.

These investigators begin by receiving a short summary of the incident. The summary includes information like:

  • The date of the accident
  • The type of collision
  • The time of the accident
  • The location of the accident
  • A brief description of the accident

The insurance investigator may receive the following bits of information:

  • The other driver’s contact information
  • Photos of the accident, including your vehicle
  • Medical bills, if necessary
  • Statements from witnesses or passengers

The insurance investigator may also ask you for permission to inspect your car for damage, physical evidence such as damaged property, and a copy of the police report.

Getting Investigators to Work for You

Insurance investigators work with the interests of the insurance companies in mind. Therefore, they’ll likely do what they can to discredit any evidence you present to them showing the true extent of your losses and injuries.

When you work with a team of resourceful car accident attorneys in Buffalo, they’ll also investigate your accident; but with your interests in mind. Our car accident lawyers will look to preserve any evidence that supports your claim. Using this evidence, a car accident lawyer in Buffalo can put together a strong case so that you can walk away with the best result possible.

Call us, or contact our experienced team at Cellino & Barnes for quality representation. We have over 60 years of experience obtaining successful settlements for clients throughout New York, and we’d be honored to work for you.

Cellino & Barnes (800) 888-8888

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