The aftermath of a car accident is often a stressful experience. This is because you have to deal with insurance companies in order to recover the compensation you deserve. However, doing so can be difficult, which is why there are a number of things to know. Continue reading below to learn more.
Insurance Adjusters Are Trained to Negotiate
An insurance adjuster’s job is to act in the company’s best interest, not your own. They are trained to not pay out large amounts of money, directly harming what you need to accomplish. They are not required to treat you fairly and will therefore often deny a claim or not recognize it’s full value.
Do Not Accept the First Settlement Offer
When an insurance company makes their first offer, it is often unfair. This is because they try to take advantage of accident victims who need money to cover related expenses. It is important to not take this offer and fight for the compensation you deserve. If you do not accept and an insurance company ignores you, hire an attorney for assistance.
They Will Try to Avoid Paying Medical Expenses
When fighting for compensation for medical expenses, insurance companies may claim you are lying about your injuries or committing fraud so they do not have to pay you. Keep copies of all documentation from doctors visits as evidence to prevent this.
You do Not Have to Take Your Car to Their Recommended Body Shop
It is important to know you do not have to use the body shop recommended by the insurance company to repair your vehicle. You can choose your own. In doing so, bring the insurance company’s repair estimate so you can compare prices.
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 often “total” the vehicle. In doing so, they are required to pay you for the car’s fair market value. During this time, ask to see the cars yours was compared to so that you can make sure it was not too low. You may also want to do your own research or hire an independent adjuster for a second opinion.
Do Not Listen to Any Threats
Insurance companies sometimes use extortion techniques to avoid paying. For example, they may pay a claim for a policyholder and send you a collections letter, asking you to pay the debt and threatening to have your license suspended if you fail to do so. If you are facing this situation, contact an attorney to be aware of your rights.
Never Sign Anything Without a Lawyer’s Reviewal
Anything you say during this time can be used against you. It is because of this you should never provide a statement or sign any documentation without speaking to a personal injury attorney first.
Contact our Firm
We understand the implications of a serious accident. If you believe you were injured due to another party’s negligence, please do not hesitate to contact our experienced firm. We are more than willing to help you recover the compensation you need to get your life back on track. Our personal injury specialists at Greenberg & Walden, LLC are standing by for a free initial consultation. Call us at 201-528-6928.