Step by Step: How to Deal with the Insurance Company After a Car Wreck
Dealing with the insurance company after a car accident can be a complex and risky process that can jeopardize your ability to recover compensation.
However, knowing the steps to take to deal with the insurance company can significantly improve your chances of obtaining the compensation you’re entitled to.
1. Notify Your Insurance Company About the Accident
Inform your insurance company immediately that you were in a car accident.
Provide them with accurate information about the accident; however, avoid discussing injuries or who is at fault.
2. Gather Evidence
Obtain as much evidence as you can from the accident scene.
This evidence can be photos of vehicle damage damage, witness statements, or the police report.
3. Be Careful with Your Statements
When talking to an insurance adjuster, provide accurate information; however, don’t admit fault or make speculative statements, as anything you say can be used against you.
4. Keep Communication Records
Maintain a detailed record of all communications with the insurance company.
This record should include dates, names of insurance adjusters, and detailed notes about the conversation.
5. Understand Your Insurance Policy
Review and understand your insurance policy, coverage limits, and exclusions.
Knowing your policy and limits will help you better understand the compensation you're entitled to.
6. Seek Legal Help
Consult with an attorney to avoid unnecessary struggles such as lowball settlement offers, delays, and other complications.
Personal injury attorneys can handle all communication while protecting your rights and pursuing maximum compensation.
7. Avoid Quick Settlement Offers
Following a car accident, insurance companies may offer you an immediate settlement that seems fair but, in reality, is undervalued.
Before accepting any offers, ensure you fully assess your damages and injuries with your car accident attorney.