Almost everyone knows someone who has been in a car accident, or they’ve been in one themselves. They are a regular occurrence on our streets. They can sometimes just be a minor nuisance, while others can be catastrophic, life altering events.

Fewer things are more frustrating than dealing with insurance companies after an accident. It’s very important to be aware of one’s rights during this difficult process. Being aware of what you are entitled by your insurance company can ensure that you are treated fairly and with little stress.

Understanding how to deal with your car insurance after an accident can make a significant difference on your driving future, from the type of car that you can afford to insure (think used Honda Civic vs. Brand New Audi A4)to the amount you have to pay up front to repair your damaged car. So here are some managing and money saving tips for dealing with your car insurance company.

Remain Confident and Calm

Insurance adjusters are looking out for their company’s bottom line. They want to pay as little as possible on every claim. It’s important to remain confident during this process. The insurance company must uphold their contractual obligations. The adjuster may try to intimidate a victim into taking a small settlement. Remain relaxed, and don’t settle for less than full compensation and coverage.

You Pick the Mechanic

Don’t get bullied into using an insurance adjuster’s preferred mechanic. This is a manipulative tactic that insurance companies use to get accident damage appraised at low rates. This is so they can offer smaller settlements to policy holders. Legally speaking, the car owner gets to pick the mechanic. Remain firm on this, and there’s nothing the adjuster can do about it.

Keep a Record or Journal

It may be helpful to keep a record or journal of the process. Don’t forget to record every call and meeting with the adjuster. This will come in handy if the insurance company isn’t acting in good faith. A journal can be used as evidence in a court of law.

Don’t Wait to File a Claim with the Other Driver’s Insurance Company

There is absolutely no need to wait for the other driver to file a claim with his or her insurance company. It’s important to get the ball rolling as quickly as possible. Contact the other person’s insurance company immediately.

Move up the Food Chain

If the desired results just aren’t happening with one’s insurance adjuster, it’s time to move up the food chain. Try calling his or her supervisor. If that doesn’t work, contact the regional office or corporate headquarters.