When a car accident happens, there are usually many different matters to settle. One of these includes dealing with insurance companies. These situations can prove to be difficult, which is why there are many things to remember during this time. Continue reading below to learn more.
Insurance Adjusters Are Trained to Negotiate
Insurance adjusters exist in order to negotiate the amount of money they pay out in claims, as it is their job to pay as little as possible. This directly harms what you need, which is why you should not expect them to treat you fairly. They will often deny a claim or not recognize its full value to avoid paying it.
Do Not Accept the First Settlement Offer
Insurance companies are often unfair with their first offer because they try to take advantage of accident victims who need money as soon as possible as coverage for accident related expenses. Do not take this offer right away and fight for the compensation you deserve.
They Will Try to Avoid Paying Medical Expenses
If you need money for medical expenses due to the accident, be aware that insurance companies often fight it. They may claim you are lying about your injuries or committing fraud so they do not have to pay you. To avoid this, keep all documents from doctors visits as evidence.
You do Not Have to Take Your Car to Their Recommended Body Shop
You can use your own body shop to repair your car. You are not required to use the one recommended by the insurance company. When you use your own shop, bring the insurance company’s repair estimate for comparisons.
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 may “total” the vehicle and pay you for the car’s fair market value. Be sure to ask and see the cars your vehicle was compared to so you can make sure the price was not too low.
Do Not Listen to Any Threats
Insurance companies may sometimes try to get out of paying a claim by using extortion techniques. This can include paying a claim for a policyholder and sending you a collections letter, asking you to pay the debt or your license can be suspended. Be sure to contact an attorney in these situations to know your rights.
Never Sign Anything Without a Lawyer’s Reviewal
Anything you say can be used against you during this time. It is because of this that you should never give a statement or sign anything without speaking to a personal injury attorney.
Contact our Firm
Marc N. Needelman is an experienced attorney working throughout the state of Connecticut. If you need an attorney who is ready to fight for the financial compensation you deserve, please do not hesitate to contact us to set up a free initial consultation. Our firm deals with matters relating to real estate, personal injury, criminal defense, estate planning, and more.