How to Deal With an Insurance Company
If you are involved in a motor vehicle accident, it is important to follow a number of steps to ensure your legal rights and interests are fully protected. Most auto accidents claims are typically handled through insurance companies. It is wise to maintain proper communication with your insurance carrier directly after an accident in order to receive the maximum amount of compensation for which you are eligible. The following is advice that can help you deal with your insurance company after you've been in an auto accident:
- Notify police - File a detailed police report immediately after an accident
- Gather evidence - If possible, take photos of the your damaged vehicle, the accident scene, and your injuries.
- Know your insurance policy - Completely review and understand your insurance coverage policy.
- Contact your insurance agent - Call your insurance company representative immediately after an accident or injury occurs.
- Take notes – Write down detailed information of every conversation you have with insurance company representatives. Jot down names, job titles, and telephone numbers of whomever you speak with.
- Be honest – Tell your insurance agent all the facts. If you aren't honest, it may invalidate your claim and cause your coverage to be denied.
- Submit a formal demand letter – Determine what you think your claim is worth, outline the events of the accident, what injuries you suffered, medical treatment, lost income capacity, etc. and ask for a lump sum settlement. This is best to do with the help of a qualified and experienced personal injury attorney.
- Don't accept the first estimate – The initial appraisal of your losses will most likely be on the low end. Never accept the first offer.
- Negotiate – Plan a good argument and negotiate the settlement you are offered. Only agree on a settlement you can live with.
- Get legal advice – Don't sign any releases, waivers, or accept final payment checks until you've spoken to a qualified attorney who will ensure your legal rights are protected.
While insurance claims are meant to be a simple process, you may be dealing with an unreasonable agent who refuses to fairly settle your claim. Don't forget that you signed a contract with your insurer and they have the legal obligation to provide the coverage that was promised. If you believe your claim was not fairly adjusted, it is important to seek the immediate assistance of an experienced personal injury attorney who can help you bring legal action against your insurance company.
If you were seriously injured in an accident, it is extremely important to retain the help of a qualified attorney to make sure you get the compensation you deserve. Most attorneys offer free initial consultations for those injured in auto, truck and motorcycle accidents. To speak with a qualified attorney who can evaluate your case free of charge, use the state selector below to narrow your search, then simply select the metro area you are closest to. Don't worry, you are taking the appropriate steps to ensuring your legal rights are protected!
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