The aftermath of a car accident is stressful and having to deal with insurance companies in addition to tending to yourself and your loved ones can make it that much more difficult to focus on recovery. Being aware of how to deal with insurance companies can significantly impact the outcome of your claim. While they may seem like they want to help, insurance companies are trained to minimize payouts whenever possible. We share crucial tips to keep in mind to help you receive the compensation you deserve.
1. Report Car Accidents As Soon As Possible
Report your accident to the authorities as soon as you’re able. Time is of the essence when it comes to dealing with insurance and dragging this out can lead to complications during the claims process. It’s not necessary to overshare. You don’t want to say anything that could cause you issues down the line. However, it’s important to make sure they’re aware that an accident has occurred and that you will be providing them with details to submit a claim.
2. Be Conscious of Your Statements
Anything you say to the insurance adjuster can and will be used against you. This is why it is important to be cautious of what you say. Try to avoid making statements that could be interpreted as admitting fault for example, “I should’ve been careful” or “I’m sorry”. Cooperate and give them the facts of the accident but don’t admit to too much. Otherwise, you may find that your own words will be used to lower or even deny your claim. When it comes to working with the other party and their adjuster, it’s a good idea to get an experienced lawyer on your side. They can share information and negotiate on your behalf while keeping your best interests in mind.
3. Document Evidence
A key method to ensure that you have evidence on hand to support your claim is to document everything. Take photos and videos at the scene of the accident. Make sure you’re able to refer back to any damage to the vehicles or visible injuries. Ask for a copy of the police report as well as documentation made by any medical professionals in regard to your injuries. This all serves as valuable support during the negotiation process and can help reinforce the validity of your claim.
4. Do Not Take the First Settlement Offered
It is very common for insurance companies to present you with a settlement soon after an accident. Do not mistake this for a win. Many insurance companies will use this tactic to try to get you to resolve your claim quickly. However, these are usually lowballed offers that do not cover the extent of your damages. Before accepting anything, make a comprehensive assessment of your injuries, damage, and future expenses. This is one of the many reasons a personal injury attorney is beneficial. They can help you assess your claim and ensure you are not settling for less than what you deserve.
5. Consult with a Personal Injury Attorney
One of the most crucial tips is to hire legal representation. Even if it feels like you can manage the process yourself, having a personal injury attorney on your side will help get you the maximum compensation possible. Car accident lawyers are very familiar with insurance negotiations and have the oversight to improve your chances of fair compensation.
Injured in an Accident? DiPasquale Moore Can Help!
Dealing with insurance companies requires strategy and knowledge. Having a good personal injury attorney on your side is how you act in your best interests. Our team is dedicated to putting our clients first and helping them get the compensation they need and deserve to move on. Don’t hesitate. We offer a free initial consultation for each and every person that asks for help and operate on a contingency basis. This means we do not get paid unless you do. Contact us today for legal guidance on your car accident claim.