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Clark, Butler, Walsh & Hamann
 
CLARK BUTLER
WALSH & HAMANN
315 E 5th St.
Waterloo, Iowa 50703
Phone: (319) 234-5701
Fax: (319) 232-9579
Email: info@cbwh-law.com
 
Waterloo, Iowa Attorney practicing in Iowa primarily in Civil Litigation, Business Organization, Estate Planning & Probate, Family Law, Insurance Defense, Motor Vehicle Accidents, Personal Injury, Premise Liability, Product Liability, Real Estate, Workers' Compensation & Wrongful Death. Lawyers at the Clark, Butler, Walsh & Hamann are dedicated to serve their clients in Iowa, including the cities of Waterloo, Cedar Falls, Fort Dodge, Ames, Cedar Rapids, Iowa City, Davenport, Dubuque, Des Moines, Adel, Marshalltown, Pella, Decorah, Eldora, Johnston, Ankeny, Muscatine, Ottumwa, Manchester, Elkader, and Burlington , and the communities that make Polk, Webster, Story, Linn, Johnson, Scott, Dubuque, Black Hawk, Dallas, Marshall, Marion, Winneshiek, Muscatine, Wapello, Delaware, Clayton, Hardin and Des Moines counties.
 
 
I. General Information about Motor Vehicle Accidents
II. What to do if you are in an accident
III. Theories of Liability
IV. Injuries and Compensation
V. Insurance Claims Tips
VI. Uninsured or Underinsured Drivers
VII No-Fault Insurance
 


  " Contact a Iowa motor vehicle / car accident lawyer representing clients in Manchester, Iowa today to schedule your free initial consultation."
Dubuque County Courthouse Dubuque Iowa

Insurance Claims Tips

  • One thing you should do before you call your agent, is to make sure that you review your insurance policy.  Be certain that you understand your policy, especially the “Coverage” and “Exclusion” sections.
  • As soon as possible after an accident, call your agent.  Call as soon as you get home and even before you see a doctor. 
  • Take detailed notes of all conversations with your insurance company.  Be sure to get the names, phone numbers, and job titles of everyone you speak with.  Get his or her supervisor’s name as well.
  • Keep receipts of any expenses, such as meals or travel expenses, that you incur in connection with the time spent pursuing your insurance claim from the time of the accident until you reach a final settlement with your insurance company.
  • Don’t allow any written or recorded statements with your insurance company until you are certain that you understand your insurance policy.  The insurance company cannot require you to allow your telephone conversations to be recorded.  If you have any questions about recorded statements, contact a lawyer.
  • Is your accident covered by other insurance policies as well?  Many times, more than one policy may cover your claim.  Look over your homeowner’s policy, umbrella coverage policies, and any coverage you may have under your credit cards.
  • If it’s possible, take pictures.  Don’t go to extremes, but definitely take pictures of your vehicle damage and injuries.
  • It’s important to be open and honest with your insurance agent.  Even if something is personally embarrassing, it’s better that your insurer knows about it.  Withholding facts or information from your insurer may cause them to deny coverage of your claim or invalidate your insurance policy.
  • There is a difference between replacement coverage and actual cash value.  If you have replacement coverage, it may cover the cost of a new vehicle.  If you take the actual cash value of your destroyed vehicle instead, you may take a loss.  However, if you have replacement coverage, you may be required to actually replace the destroyed vehicle before you can get reimbursed for the cost of replacement.
  • Be careful when accepting the estimate or appraisal of your losses that is given to you by your insurer.  Insurance companies will often try to get you to accept the estimate given by their estimator or contractor.  These estimates may be slightly lower than actual repair or replacement costs.  Do not sign any releases or waivers of any kind without advice from a lawyer.  You may feel pressured to accept an early, insufficient settlement from your insurance company if your financial situation is dire after your accident.  However, there may be other damages you could include in your claim that you didn’t think about at first.  Consulting with a lawyer will help you make sure that you haven’t forgotten anything.  Make sure that you read all the fine print on any payment from an insurance company.
  • Be aware of the time limits set by your insurance policy.  Most policies require a signed proof of loss within a set time period, unless you get a written waiver of this requirement from your insurance company.  If your claim has not been adjusted to your satisfaction, most policies only allow you one year to bring a lawsuit.  Contact a lawyer immediately if your claim has not been adjusted fairly by eleven months after your accident.  If you do not, you might lose your right to sue.
  • Don’t accept any check that says “final payment” unless you are ready to accept a final payment.
  • Remember that you have a legal contract with your insurance company.  Your insurer has a legal obligation to give you the coverage that was promised to you.  Insist on enforcement of that obligation.


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If you would like to schedule a free initial consultation contact an Iowa motor vehicle / car accident attorney, representing clients in Manchester, Iowa  at the Clark, Butler, Walsh & Hamann. Give us a call at (319) 234-5701 or email us at info@cbwh-law.com.
 

DISCLAIMER: The information you obtain at our firm web site is not, nor is it intended to be, legal advice. It is recommended that you should consult an attorney for individual advice regarding your own situation.

 

 
© MMVII Clark, Butler, Walsh & Hamann Address: 315 E 5th St., Waterloo, Iowa 50703 Phone: (319) 234-5701 Fax: (319) 232-9579
Email: info@cbwh-law.com Home l Firm Overview l Practice Areas: Civil Litigation, Business Organization, Estate Planning & Probate, Family Law, Insurance Defense, Motor Vehicle Accidents, Personal Injury, Premise Liability, Product Liability, Real Estate, Workers' Compensation & Wrongful Death l Attorneys l Resources l Contact l The information you obtain at our firm web site is not, nor is it intended to be, legal advice. It is recommended that you should consult an attorney for individual advice regarding your own situation. Iowa Car Accident Attorney Manchester Fatal Car Crash Delaware County Hit Run Lawyer
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