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Can you tell me how car insurance companies investigate accident claims?
I filed a claim with my insurance company after an accident. It's my first ever claim. They said they're going to investigate it. What exactly does this mean?
Emily Richey · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
Car insurance
companies usually launch investigations into accident claims to sniff out potential fraud. A claims adjuster will be assigned to review your case and determine if your claim is legitimate. The extent of the property damage and injuries will determine the length of the investigation. The claims adjuster might request interviews with witnesses at the scene, review medical and police reports, and examine photos of the damaged vehicles. If there were any major injuries, they may call experts to give their opinion on the nature of the injuries.
If the insurance company is delaying your case, or if you were seriously injured in the accident, it’s a good idea to hire legal representation to negotiate your settlement.”
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- Gregory R.
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