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5 Tips for Dealing with Insurance Companies After an Accident

By: Brianna Carmichael, Associate Lawyer

1. Get organized

Keep a folder with all letters and documents you receive from the insurance company, anything you got from the other person’s insurance company, and any other relevant information (from the police, witness contact information, etc.). Keep track of who contacts you and any documentation you need to submit to claim your benefits.

2. Don’t agree to an interview

You should feel free to talk to your own insurance company but be careful about agreeing to signed or recorded statements, especially if it is the other insurance company asking for the statement. We recommend not agreeing to having your conversation reported, or to signing any statements.

3. Keep all your receipts

These will be necessary for your own insurance company or for the at-fault person’s insurance company to reimburse you for any out-of-pocket expenses you may have after an accident.

4. If you don’t have a family doctor, get on a waiting list early

It is very common in New Brunswick to not have a family doctor or nurse practitioner, but if you get into an accident this can make it harder to get your treatments paid by the insurance company. If you are in an accident and don’t have a family doctor, get on a waiting list for a nearby doctor as soon as you can.

5. Gather your tax returns and financial documents

If you don’t already have them at home, contact your accountant or whoever does your taxes to get copies of your tax returns for the 2-3 years before the accident, as well as any supporting documentation like your T4s or ROEs. This will be helpful to prove your loss of income caused by the accident.

DISCLAIMER: The publications on this website are intended to provide information of a general nature and not legal advice. The information contained in this publication is current to the date of the publication and may be subject to change following the publication date.

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