Sometimes the aftermath of a car accident can be even more annoying than the actual incident. Dealing with insurance companies is a big part of this process.
Though you are obligated to inform your insurance company of any accidents, some ways of handling this responsibility are better than others.
What’s the game?
Dealing with an insurance company can be critical for many people. Usually, thousands of dollars are at stake and your insurance company may not have your best interests in mind.
Insurance companies are businesses that will try to maximize their profit. Unfortunately, one of the ways that they do this is by minimizing claims.
Because of this, claims adjusters are often trained to get as much information that they can use to deny and minimize claims as possible.
So how should I play?
One way to sidestep the tactics of claims adjustors completely is to hire an experienced personal injury attorney to represent you. An attorney can deal with all communications with the insurance adjusters, so you won’t have to worry about making any missteps.
A good attorney knows the game inside and out and will be able to deal with the claims adjustors effectively. Additionally, unlike the insurance company, an attorney you hire has your best interests in mind.
What if I do speak to the insurance company?
If you do want to report the accident yourself, it is important to be mindful of how you talk about the accident. During the call, it is important that you:
- Do not make speculations about the accident
- Do not minimize any injuries. Remember that it may take days for your injuries to fully show up.
- Give the company as little information to exploit as possible.
Depending on the severity of the accident, you may have a lot at stake—i.e. lost wages, car repair costs and medical bills.
Hiring an attorney to represent you is the best way to ensure that you do not make any missteps during the process and get a claim settlement that is fair to your situation.