How do I get more money from a car insurance claim?

I got into an accident several months ago and had to be hospitalized. It took a while for me to get ahold of the insurance company to file my claim because I just couldn’t. I didn’t get the greatest service or as much money as I expected. What’s the best way to get more money from insurance?

Answer
I’m so sorry to hear you got hurt. I hope you are getting better!
When it comes to getting more money for car insurance claims, several factors are at play.
Speed is imperative when filing a claim. The longer it takes for a car insurance company to hear about the accident, the less likely they are to believe it was as bad as you say it was.
The insurance company generally wants everything as soon as possible because it’s fresher in your mind. They want to know what happened, how the weather was, and things people might forget or become unsure of as time passes.
Because you had to be hospitalized, I hope this isn’t the case. Your medical bills and records should provide ample proof.
They’ll also want a police report. Your accident sounds like it was serious, so there’s a good chance the cops arrived on the scene and a report was filed.
During the claims process, it’s important that you keep documentation on everything. Copies of statements, transcripts of conversations, medical paperwork, car repair estimates and bills, loss of wages, and, of course, that police report will all come in handy.
On top of keeping a paper trail, you’ll also want to hold onto damaged items after an accident. Although you may think of them as broken or trash, these things can be used as evidence to back up your claim and get you more money.
These are just a few examples of how to optimize your car insurance claim. Since you didn’t get as much as you were hoping, you can always reach out to your insurance company and ask for more information and a breakdown of how much they paid out and why.
If you think you can get more, you can tell them you want to dispute the payout and see if they’re willing to renegotiate. You could also speak with your state’s Department of Insurance.
After an accident, your insurance is going to go up. But you can find a better policy at a better rate—with better customer service—using Jerry.
Jerry is an insurance comparison app that shops for low prices with over 50 different insurance companies for free. You will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away!
Lauren Smith
Answered on Nov 22, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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