Dos and Don’ts When Dealing with Insurers After a Car Accident
In the aftermath of a car accident, it is natural to be shaken as the result of your injuries and confused as to what your next steps should be. Unfortunately, it is during this vulnerable time that you will likely be dealing with insurance company representatives, as they gather information about your claim. What you do or don’t do during the coming days and weeks can have a significant impact on your ability to get compensation for the medical expenses, lost wages, and property damages you suffer. The following outlines what to expect, along with tips to help you protect yourself and your rights during this process.
Dealing With Insurance Representatives After a Car Accident
Anytime a car accident results in even seemingly minor injuries or property damages, you should notify law enforcement immediately and exchange personal contact, vehicle, and insurance information with other drivers at the scene. Getting a police report and the other driver’s information plays a crucial role in filing an insurance claim.
According to Edmunds, it is natural to feel confused or uncertain when filing a claim, as it is likely not something you have much experience in. While it may be tempting to just go along with whatever your insurance company tells you, being overly trusting could work against you in terms of getting the amount of compensation you deserve.
It is important to realize that these companies are in business to make money, and one of the ways they do this is by denying or downplaying claims. In the aftermath of your accident, it is important to do the following:
- Take pictures of the accident scene, your injuries, and the damage to both vehicles.
- Get medical care, even if you think your injuries are minor, and follow doctor instructions in terms of work and activity restrictions.
- Shop around and get your own estimates on car replacement and repairs costs in your area.
- Check your policy documents for coverage levels on injury and property damage costs.
- Request a breakdown of the costs associated with any settlement offers.
- Consult with an experienced car accident attorney before signing any documents or accepting a settlement.
What Not To Do in Order to Protect Your Rights in a Claim
Just as important as knowing what to do after a car accident is knowing what not to do to avoid jeopardizing your rights in a claim. Cars Direct recommends the following:
- Do not make statements admitting any kind of fault in the accident.
- Do not discuss your accident with anyone or post about it on social media.
- Do not be rushed or pressured into accepting a settlement from your insurance company that is less than what you think you deserve.
To ensure you get the amount you need to recover from your injuries, contact the Law Firm of William E. Raikes III in Fort Pierce today. We understand the tactics insurance companies often use in trying to settle claims for less than what they are worth. Before signing any documents, call or contact us online and request a free consultation first.