CSAA or the California State Automobile Association offers automobile insurance to drivers within the state as well as in Utah and Nevada. CSAA auto insurance is part of the larger AAA or American Automobile Association with insures drivers across most parts of the United States.
When an Accident Happens
As with all states and all insurance carriers the first thing that a driver or individual in a car accident needs to do is seek medical attention as needed and contact the police. The police should respond to the accident site and prepare an accident report. In addition as the driver it is also important to take pictures, gather information about the accident and the other driver, and get contact information for any witnesses. The CSAA auto insurance package includes a checklist of what to do in the event of a car accident, keep this handy in your glove box for quick reference. Phone numbers can also be entered on the document to ensure you have everything you need right at your fingertips.
Making a Claim
CSAA auto insurance offers two options for filing your claim. You can phone in to speak to a representative and initiate the claim process. The second option is to complete an online form that is submitted electronically to start the claim. In both cases a claims adjuster is then assigned to your case and he or she should contact you within one to three days for additional information. It is important not to repair your vehicle or to sign any waivers or provide information on your medical status or the assumed cost of your property repairs at this time.
Appeals and Differences
In some cases the claims adjuster may deny some or all of your claim based on their investigation and recommendations. When this happens, or if you believe that you have additional medical injuries related to the accident you have the option to appeal or dispute the claim or claim denial. The CSAA auto insurance adjuster must provide written reasons for the denial or reduction of the claim, which then provides you with the necessary information needed to present your appeal.
Lawyers Make a Difference
Having an experienced personal injury attorney that is familiar in appeals and lawsuits against CSAA is very important in winning your appeal and getting the settlement that you need. Lawyers can assist in developing your case and gathering the additional evidence you need to be fairly compensation through your insurance claim.
