Having auto insurance is a necessary aspect of recovering damages after your car accident. However, simply because you pay your insurance premiums every month does not mean that you can assume you or other drivers' insurance companies will have your back or make collecting damages easily. Rather, this is often not the case.
But in order to help you handle the insurance company after your accident, here are some quick tips:
Before speaking with any insurance company following your accident, you should consult with an experienced personal injury attorney—like those at theLaw Office of Jeremy Rosenthal—so that you can better defend your rights and avoid being taken advantage of.
Nevertheless, here are a few quick tips for dealing with the insurance company after your car accident.
Things You Should Never Say To The Insurance Company
Every singly insurance company is out to make a profit, which necessarily means the company must deny claims for coverage. Accordingly, many times claims for coverage are denied for little to no reason whatsoever.
If the situation arises where you must speak with a car insurance company regarding an accident, you have to be very careful with what you say. You should never sign any documents from the insurance company or give a formal statement without consulting with your personal injury attorney. Of times some of the most innocent statements can and will be misconstrued or skewed by insurance claims adjusters. For example, you could be describing the weather at the time of your accident as “bright” or “sunny,” but the insurance company uses your statement(s) to deny coverage claiming you caused the accident while you were blinded by the sun.
Moreover, NEVER agree to make a settlement of your claim with the insurance company, verbally or in writing, without first consulting your personal injury attorney. In many cases, the mere fact that you have an attorney representing you means that the insurance company will settle your claim for much more money.
Remember – once you sign a settlement (of your claim) with the insurance company, you are legally not allowed to file a lawsuit later and the insurance company will not renegotiate your agreement. Before you unknowingly give-up your right or forego needed compensation, make sure you are protected by reviewing your case with your attorney.
Things You Should Say To The Insurance Company
On the other hand, you have an affirmative obligation to contact your insurance company once you have been involved in a car accident.
When speaking with a representative of your insurance company, try to be as brief (but honest) as possible about the facts surrounding your collision. In addition, it is important that you provide your insurance company with as much information as you have on the other driver, including their name, phone number and name of their insurance provider. Upon retaining a personal injury attorney, refer all further questions that the insurance company may have to your lawyer who will negotiate with the insurance company on your behalf.
The experienced personal injury attorneys at the Law Office of Jeremy Rosenthal offer free consultations to injured people and their families and will fight for the compensation you deserve. If you have been injured in a car accident and/or are dealing with the insurance company, you ned a knowledgeable attorney on your side.
Contact the personal injury attorneys at the Law Office of Jeremy Rosenthal today at (303) 825-2223 or visit us online.