When you are injured in a car accident, you will inevitably have to talk with insurance companies. This is not something that is easy to do. Remember the fact that insurance adjusters know everything about how to trick you into doing something that will negatively affect your claim.
The best advice anyone can offer you is to start looking for personal injury lawyers near me as soon as possible after the crash. Do this before you get to talk to insurance companies since the attorneys will help you to avoid many of the mistakes presented in the following lines.
Never Give A Statement If You Do Not Understand Your Coverage
The insurance adjuster will want to record all conversations with you or will request written statements. Do not agree to something like this if you do not fully understand all the policy terms of your insurance policy. All documented statements can end up being used against you in future accident lawsuits. Also, claimants can end up using them to lower the settlement you receive.
Do Not Accept Insurer Appraisals
The insurance company will have agents assessing damages to then determine claim value. Contrary to popular belief, the adjusters do not have your best interests in mind. Their valuation is most likely lower than the actual worth of your claim.
Remember that you are not obliged to accept the insurance company’s decision. In fact, you should always consider the first deal as being much lower than what is actually right.
Do Not Sign Anything Without Legal Consultation
This is one of the most important things you have to be aware of. You should never sign a release without having your personal injury attorney read the document. This is because you might end up agreeing to a very small settlement without even realizing it. It is even possible that you end up admitting fault, which can drastically destroy your entire claim.
Do Not Accept Fault
The second most important thing to remember is you should never accept fault for anything when you discuss with insurance companies. Even really simple statements like “I am sorry for what happened” can end up being used against you without you even knowing it.
Get In Touch With An Experienced Personal Injury Attorney
At the end of the day, it should be pretty obvious that conversations with insurance companies can become very tricky and a simple minor mistake can end up being very serious. You do not want to end up hurting your insurance claim because of something you do not even know. This is why it is so important that you never actually discuss anything with the insurance adjuster without having an attorney by your side.
Take all the time you need to find a very good injury attorney that can represent you in front of insurance companies and that will advise you on the best things that you can do during every single step of the insurance claim. This will be the difference between receiving the right amount, what you are entitled to, and a compensation amount that is much lower than it should be.