Dealing with the aftermath of a car accident is often complicated and stressful, as you have to deal with insurance companies to recover compensation. This process can prove to be difficult, which is why there are a number of things to know so you can get the most out of your claim. Continue reading below to learn more.
Insurance Adjusters Are Trained to Negotiate
It is the job of an insurance adjuster to do what is best for the insurance company, meaning to pay out as little as possible for claims. They are not required to treat you fairly and will therefore often deny a claim or not recognize it’s full value so that they minimize the amount paid.
Do Not Accept the First Settlement Offer
First offers by insurance companies are often unfair because they try to take advantage of vulnerable victims who need money to cover certain expenses due to the accident. Do not take this offer right away and fight for the compensation you deserve.
They Will Try to Avoid Paying Medical Expenses
Insurance companies may claim you are lying about your injuries or committing fraud when you fight for compensation for medical expenses. This is so they do not have to pay you. To avoid this, keep copies of all documentation from doctors visits as evidence.
You do Not Have to Take Your Car to Their Recommended Body Shop
You are not required to use the body shop recommended by the insurance company. You can use any shop of your choice. However, in doing so, be sure to bring the insurance company’s repair estimate for price comparisons.
You Have the Right to Appeal the Insurance Company’s Offer When it Totals Your Vehicle
If a car’s repair costs 70% or more of its value, insurance companies may “total” the vehicle and pay you for the car’s fair market value. When this is done, ask to see the cars your vehicle was compared to for its price. This is so that you can make sure the price was not too low. You may also want to do your own research or hire an independent adjuster for another opinion.
Do Not Listen to Any Threats
Insurance companies may sometimes try to extort you to get out of paying a claim. This may be done by paying a claim for a policyholder and sending you a collections letter that asks you to pay the debt or your license will be suspended. If you are facing this situation, contact an attorney to know your rights.
Never Sign Anything Without a Lawyer’s Reviewal
When dealing with these situations, insurance companies will use anything you say against you if possible. This is why you should never provide a statement or sign any documents without speaking to a personal injury attorney.
Contact our Firm
Retaining an attorney after an injury-causing accident is the most effective way to ensure that you receive the compensation to which you are legally entitled. To learn more about how we can help you, call the Wilton Law Firm today at 732-275-9555 or send us an email through our online contact form.