Filing a Hartford Car Accident Claim in New Jersey?
Hartford insurance is named after the capital city of Connecticut, a state famous for having less attitude than New Jersey. Luckily for us in the Garden State, Hartford insurance offers liability auto insurance policies and personal injury protection (PIP) policies in New Jersey. This means that, if you have Hartford insurance, you can file claims related to vehicle damage and bodily injuries after a car accident. Getting enough money from a car accident claim to break even on all your accident-related financial losses is easier said than done, though, whether your insurer is Hartford or any other insurance company. If you do not get a sufficient settlement offer from your insurance, the next step is to contact a personal injury lawyer, but not necessarily to sue. It is often possible to get a sufficient insurance settlement if the lawyer deals with the insurance company on your behalf. For help getting adequate compensation from your Hartford car accident claim, contact a South Jersey auto accident lawyer.
How Soon Should You Contact Hartford About Your Car Accident?
Hartford insurance does not specify a deadline for filing a claim arising from a car accident. From their perspective, it is never too soon and never too late to file a car accident claim. You can call Hartford and file a claim as soon as the tow truck takes your car away to the repair shop and before your rideshare car arrives to pick you up, or you can call months later after to get your car fixed when you realize how expensive the repair bills and the medical expenses are for your injuries. According to New Jersey law, though, the deadline for filing a car accident lawsuit is two years after the accident. Your can reach Hartford at call 877-805-9918 or online at https://autoclaims.thehartford.com/personal.
Before you file the claim, make sure you have supporting documents. These are the most important pieces of information to present to the insurance company:
- Photographs of the damage to your car and the other vehicle
- Photographs of your injuries, if you suffered visible injuries
- A police report from the accident
- A report from the doctor when you went to the doctor’s office or urgent care right after the accident
Don’t Be Fooled by the Claims Adjusters’ Charms
The people who work in public facing roles at Hartford insurance are friendly and personable, but when they take a recorded statement, Hartford will use anything you say to justify paying as little as possible on your claim. They will find excuses to attribute your symptoms to pre-existing medical conditions, from old sports injuries to old age. Don’t be surprised if the settlement offer is not enough to cover all your accident-related losses, but don’t sign to accept the insufficient settlement, either. Instead, have a personal injury lawyer negotiate for a better settlement.
Contact Monaco Law About Car Accident Insurance Claims
Contact Monaco Law PC for a wrongful death and personal injury lawyer serving Atlantic County, Bucks County, Burlington County, Cape May County, Camden County, Chester County, Cumberland County, Delaware County, Gloucester County, Mercer County, Middlesex County, Monroe County, Montgomery County, Philadelphia, Ocean County, Salem County, Susquehanna County and all of New Jersey.
Sources:
thehartford.com/car-insurance/claims
thehartford.com/aarp/car-insurance/coverage
