Five tips to help you deal with your insurance company after an accident
Insurance companies make their money by offering insurance protection in the event that someone is injured or becomes disabled. Insurance companies are not interested in paying out accident claims. This is what actually hurts them profits. You can expect your insurance company to try to save as much money for you if you’re involved in an accident. Many times, this is done by offering a settlement below the full amount of your claim, delaying investigation into your case, denying you coverage or using intimidation tactics to get your attention to accept a settlement that only covers your physical damages or engaging with bad faith insurance practices.
It doesn’t matter what coverage you claim to have, or how convincing your insurer is to make you believe they are working in your best interest. Many insurance companies’ representatives aim to keep premiums low so they can make more money.
Be skeptical of the helpfulness or kindness displayed by insurance representatives. Your insurer will not be on your side. A personal injury attorney can help you improve your chances of getting the maximum value for your accident case. Our attorneys are highly qualified to assist you with dealing with insurance companies after an injury. We have extensive experience and a track record of success. We are committed to being aggressive advocates and will work to get you a fair and equitable settlement.
Five Tips to Help You Deal with Your Insurance Company After a Car Accident
Gather as much evidence possible
Evidence you gather after an accident is crucial for substantiating your claim. You should take pictures, make notes and get witness statements to document your accident. This will help you prove fault and maximize your chance of winning your claim.
Keep strict records of everything
Keep accurate records of any accident-related communication and transaction between you, your insurance company. Keep a copy of any medical records, recommendations from doctors, repairs estimates, police reports and any other documentation relating to the accident. You should keep a record of everything, even when you file an insurance claim.
You can use what you say to your adjuster or insurance company to file a claim to deprive coverage, decrease the value of your claim, prove negligence or deny coverage. It is crucial that you clearly communicate with your insurance company in all conservations you have. Do not admit guilt. Don’t accuse. Please provide details and facts about the accident. You should refer to your attorney if there are any other questions or information you aren’t ready to answer.
Do not sign any documents that you are asked to.
Your insurance company may ask you to give a statement or to sign documents regarding an accident. It is important to be careful and cautious when signing documents. Many times, these documents may limit or restrict your legal rights. They could also prevent you from pursuing your full claim value. Legal counsel should always review any documents and settlement offers that you are asked for before you sign.
For the best value of your claim, consult a lawyer
Insurance companies often offer only compensation for injuries sustained in an accident insurance. Insurers may not offer coverage for medical bills, vehicle repairs, or loss of income. Insurance companies are more likely to cover emotional damages resulting from an accident than you might be entitled to. A lawyer can help you accurately assess the value of your case. A lawyer can aggressively pursue any damages you are entitled, based on the facts of your case.