Dealing with the aftermath of a car accident is often stressful, especially when dealing with an insurance company. When an insurance adjuster contacts you to settle a claim, there are many things to remember in order to get the most out of the situation. Continue reading below to learn more.
Insurance Adjusters Are Trained to Negotiate
The job of an insurance adjuster is to do what is in the company’s best interest. They are not acting in your best interest, as they are trained not to pay out large amounts of money. These adjusters are not required to treat you fairly and will often deny a claim or not recognize its value to avoid paying money.
Do Not Accept the First Settlement Offer
First offers by insurance companies are often unfair, as they try to take advantage of vulnerable accident victims who need money fast. However, taking a first offer can hurt you in the long run, which is why you should never accept it. If you refuse to accept and an insurance company ignores you, hire an attorney for assistance, as this is a common delay tactic to push past the statute of limitations deadline.
They Will Try to Avoid Paying Medical Expenses
When arguing for additional compensation for medical expenses, Insurance companies may claim you are lying about your injuries or trying to commit fraud so they do not have to pay you. To prevent this, keep copies of all records of doctors visits as evidence.
You do Not Have to Take Your Car to Their Recommended Body Shop
You have the right to choose where you get your car repaired and do not have to use the shop recommended by the insurance company. Be sure to bring the insurance company’s repair estimate when you do so that you can compare prices.
You Have the Right to Appeal the Insurance Company’s Offer When it Totals Your Vehicle
If the repairs of a car cost 70% or more of its value, insurance companies often “total” the vehicle. In doing so, they are required to give you a check for the car’s fair market value. Make sure you ask to see the cars yours was compared to for value so that you are sure the offer is not too low. During this time, you may also want to do your own research or hire an independent adjuster.
Do Not Listen to Any Treats
Extortion techniques may be used by insurance companies in these situations. For example, they may pay a claim for a policyholder and send you a collections letter, asking you to pay the debt and threatening to have your license suspended if you do not. If you are facing this situation, be sure to contact an attorney so you are aware of your rights.
Never Sign Anything Without a Lawyer’s Reviewal
It is important to know that anything you say can be used against you. It is because of this that no documentation should be signed and a statement should not be provided without speaking to a personal injury attorney first.
Contact our Firm
If you have been injured as a result of a personal injury accident and wish to speak with an attorney, contact Ruben Law Firm today.