After An Accident – Initial Contact With The Insurance Company
It is not uncommon for victims of a personal injury claim to be unsure of what they should do following an automobile accident. Insurance companies are often the first contact you call after you are in an accident, especially when you are not at fault for the crash. Although it is the job of insurance companies to insure your damages following an accident, it is also the insurance adjuster’s job to save the insurance company’s money on payouts of insurance claims. The insurance adjusting agent of the other person involved in the accident will be against you as well, even if it is not your fault that the accident happened.
Dealing with the insurance company after an accident on your own can be a tricky situation, especially in the event that you are at fault for the accident. In most cases, whether the accident is your fault or not, it is a good idea to hire a personal injury attorney to speak to the insurance agents assigned to your claim. When hiring a personal injury attorney, all of the communication and aspects of your insurance claim is handled by the attorney. Hiring an attorney also avoids any potential problems that happen and it protects you from being taken advantage of.
In contrast to hiring an attorney, insurance agents often try to get you to make a decision right away. This is unfortunately how victims in an accident get taken advantage of and manipulated into agreeing on a settlement you did not mean to. In the end, victims of a car accident end up settling your claim for far less money than what you should be compensated for.
The Insurance Company Is Not Obligated To Be Fair Or Fast-acting
The other driver’s insurance company only has an obligation to their insurer. They have no responsibilities when it comes to treating you well or addressing your needs. Instead, they may even ignore your needs completely in favor of their insured. Unfortunately, there is virtually nothing stopping an insurance company from doing this. They may offer you a settlement that is far lower than what your case is worth, delay payments, and even denies your claim. It can be difficult to stick up for yourself in these situations.
Insurance Agents Will Almost Always Under Negotiate Compensation Due
It’s important to remember that insurance adjusting agents see cases like yours every day of the week. Insurance agents can generally estimate what the worth of a claim is by reading the facts. They also know how to negotiate with victims who are not represented by an attorney. Unfortunately, the insurance agent’s experience in working on so many claims enables them to get victims to agree to as little as possible for compensation for their claim.
This sometimes means that insurance adjusters will take advantage of victims if they can get away with it while paying less on a claim. Having an experienced personal injury attorney on your side can prevent you from having to deal with insurance agents altogether. Get the compensation you deserve for personal injuries and vehicle damages.
You do not have to use the body shop that the insurance company recommends.
Some insurance companies will try to tell you that you must use a particular body shop to receive compensation for your property damage. In most situations, this simply isn’t the case. In fact, you may want to avoid the shop that the insurance company recommends because they sometimes undervalue your vehicle or provide decreased estimates on how much it will actually cost to get things fixed. If you have a body shop that you like better, it may be a good idea to use them instead.
You likely do not want the first settlement offer.
In most situations, the first settlement offer is an opening point. It gets the bargaining process going. However, some victims will take the first offer, so the insurance company may try to lowball you first, just to see if it works. Unfortunately, some victims see mounting medical bills, vehicle repair bills, and time away from work, so they are eager to accept anything the insurance company will give them.
Getting an experienced personal injury attorney can help you determine what your case is really worth. Your attorney will also help you get the most out of your car accident. After all, you were injured, and you deserve to be compensated for your losses.