After a car accident, dealing with insurance companies can be overwhelming and confusing. Insurance adjusters may seem friendly and helpful, but their primary goal is to minimize the amount of money they have to pay out on claims. If you’ve spoken with a car accident lawyer already, they’ve probably advised you to refer all communications from the insurance company to them.
Why? Our friends from Bennerotte & Associates, P.A. address some dos and don’ts for dealing with insurance companies after a car accident to protect your interests and ensure you receive fair compensation.
Dos
1. Do Report The Accident Promptly
Notify your insurance company of the accident as soon as possible. Provide them with accurate and detailed information about the accident, including the date, time, location, and any injuries or property damage sustained. Even if you didn’t cause the wreck, you may invalidate your own insurance policy by not reporting the accident.
2. Do Review Your Policy
Take the time to carefully review your insurance policy to understand your coverage and rights. Pay attention to any deadlines or requirements for filing a claim and ensure you comply with them.
3. Do Document Everything
Keep thorough records of all communication with the insurance company, including phone calls, emails, and letters. Document any conversations you have, including the date, time, and names of the individuals you spoke with.
4. Do Seek Medical Attention
If you’ve been injured in the accident, seek medical attention promptly, even if your injuries seem minor. Documenting your injuries and following your doctor’s treatment plan is essential for your health and your insurance claim.
5. Do Consult With An Attorney
Consider consulting with a qualified car accident lawyer who can provide guidance and advocate on your behalf. An experienced lawyer can help protect your rights, negotiate with insurance companies, and ensure you receive fair compensation for your injuries and losses.
Don’ts
1. Don’t Admit Fault
Avoid admitting fault or making any statements that could be construed as an admission of liability. Stick to the facts when discussing the accident with insurance adjusters and avoid speculating about who was to blame – or simply ask them to talk to your attorney.
2. Don’t Provide Recorded Statements Without Legal Representation
Be cautious about providing recorded statements to insurance adjusters without legal representation. Recorded statements can be used against you later in the claims process, so it’s best to consult with an attorney before agreeing to provide one.
3. Don’t Sign Anything Without Understanding It
Review any documents or forms provided by the insurance company carefully before signing them. If you’re unsure about any terms or provisions, seek clarification from your attorney before proceeding.
4. Don’t Accept A Settlement Without Legal Review
Be wary of accepting a settlement offer from the insurance company without first consulting with an attorney. Insurance companies may offer lowball settlements in hopes of closing the case quickly, but these offers may not adequately compensate you for your injuries and losses.
Dealing with insurance companies after a car accident requires caution, diligence, and a thorough understanding of your rights. By following these dos and don’ts and seeking guidance from a qualified car accident attorney, you can protect your interests and ensure you receive fair compensation for your injuries and losses.