An auto accident can be traumatic, resulting in physical and emotional harm. However, you may be able to get relief through a successful insurance claim.
To get the most out of the accident claim process, it’s important to understand how to communicate with the insurance company. Saying too much or too little, or not providing enough evidence of your injury, could affect your claim in a negative way. Keep in mind, too, that a personal injury attorney can handle all communications with the insurance company on your behalf — while you focus on healing.
An auto accident, especially a serious one, can take a heavy toll on a person. Therefore, directly after an accident may not be the best time to speak with an insurer. Though you should not wait too long after the crash, it can be helpful to wait until the adrenaline dies down and the emotions are not so high.
Tell the truth
When relaying the details of an accident to an insurance provider, it’s important to stick to the truth — but only provide the basic facts. Avoid including your own hypothesis, or any extra information that is not requested or necessary. Any excess information may affect the claim negatively. Again, it’s best to have a personal injury attorney help build your insurance claim and handle all communications with the insurer.
If you do speak with the insurance company, make sure to convey the details of the crash the same way every time time. Obtaining a copy of the accident report can be helpful.
Don’t accept a settlement offer before speaking with an attorney
Insurance companies routinely offer “low-ball” settlements in the hope that accident victims will settle for less than their claim is worth. Remember, if you are seriously injured, you should get the full and fair medical care and financial compensation you need to heal and move on with life. A personal injury attorney can help you get the maximum available compensation.