In Illinois, there is no law indicating what types of information you should provide your insurer during an auto accident. Normally, however, your insurance company will want to determine the following: 1) who was at fault and to what extent; 2) the total amount of the injuries and damages; and, 3) if the injuries and damages were actually due to the accident. In this regard, having as much information and evidence about the accident will most likely be in your favor.
Here is a list of the things you may need to present to your auto insurance carrier:
- Copies of any and all legal documents pertaining to your accident
- Sworn proof of loss that details the accident – the date, purpose of vehicle use at the time, how the accident occurred, etc. If you fail to submit within the required period, your insurer may not honor your claim.
- Other documents related to the claim e.g. police report, medical report/bill, bills of sale of the vehicle, and others.
- Other documents to be examined under oath e.g. tax document, medical bill, etc. If you don’t submit the required documents to be examined under oath, your insurer could deny your claim.
Your auto insurance carrier may refuse to cover you if you refuse to cooperate during the investigation. But, even with a settlement, your insurer may offer insufficient compensation. Should this happen, you or the insurance company may request for appraisal.
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