Knowing what to do after a car accident, including sorting through the aftermath, can be overwhelming, especially when it comes to insurance companies. A seasoned car accident lawyer can communicate and negotiate with insurance adjusters on your behalf, but it’s important to know the dos and don’ts of dealing with insurance companies yourself.
Our peers from Council & Associates, LLC, note that many plaintiffs may unwittingly jeopardize their case by not knowing how to properly manage interactions with insurance companies, and provide some insight for car accident victims.
1. Prioritize Immediate Safety And Medical Attention
Your health and safety should be your first concern following an accident. Ensure that you and any passengers receive immediate medical attention, even if injuries seem minor. Some injuries, such as whiplash or internal injuries, may not manifest immediately but can have serious long-term consequences.
2. Report The Accident To Law Enforcement
Always report the accident to the police. An official police report can serve as a critical piece of evidence when filing your insurance claim. Be sure to provide a factual and straightforward account of the incident to the responding officers.
3. Notify Your Insurance Company Promptly
Most insurance policies require prompt notification of any accidents. Contact your insurer as soon as possible, providing them with basic details such as the time, location, and nature of the accident. Avoid giving a detailed statement at this stage and never admit fault.
4. Document Everything
Take photographs of the accident scene, vehicle damage, and any visible injuries. Collect contact information from witnesses and other parties involved in the accident. Keep a detailed record of all medical treatments and expenses, including hospital visits, medications, and any rehabilitation services.
5. Understand The Role Of Insurance Adjusters
Insurance adjusters work for the insurance company and their primary goal is to minimize the amount paid out in claims. They might seem friendly and cooperative, but remember that their interests are not aligned with yours. Be cautious about what you say and avoid giving recorded statements without consulting a lawyer.
6. Be Wary Of Early Settlement Offers
Insurance companies often offer quick settlements that may seem attractive but are typically far less than what you may be entitled to. Accepting an early settlement can prevent you from pursuing additional compensation later if further medical issues arise. Consult with an attorney before accepting any settlement offers.
7. Know Your Policy Coverage
Familiarize yourself with the coverage limits, deductibles, and any exclusions. This knowledge will help you gauge whether the insurance company’s offer is fair and adequate.
8. Don’t Sign Anything Without Legal Advice
Insurance companies may pressure you to sign various documents, such as medical releases or settlement agreements. Signing without fully understanding the implications can jeopardize your claim. Always have a lawyer review any documents before you sign.
Dealing with insurance companies after a car accident requires vigilance, patience, and knowledge. By taking these steps, you can safeguard your interests and increase the likelihood of a favorable outcome. Remember, you don’t have to navigate this process alone – seeking professional legal assistance can make a significant difference in your case.