When you are in a car accident, you have to let your auto insurer know what happened. While you are obligated to inform the insurance company of the accident, you don’t have to work out details with the insurance company. And it’s probably best not to.
Whether you are injured, or whether the other party is injured, the best way to talk to an insurance company after an accident is to do as little talking as possible. Instead, refer your insurance company to your personal injury attorney.
The Insurance Company Isn’t Necessarily on Your Side
It’s nice to think that the insurance company is on your side. You have paid premiums, and they are supposed to make sure that you get the care you need. If someone is injured as a result of the accident, and you are found liable, the insurance company is supposed to help you meet the obligation.
The truth, though, is that the insurance company is a business. At the end of the day, it’s about the bottom line. If you want someone who is ready to truly fight for you, a personal injury attorney is your best bet.
Talking to Your Insurance Company
After you have gone through the proper steps of taking care of injuries, calling the police, exchanging insurance information with others involved, and documenting the accident (including writing down all you remember about it), it’s time to report to your insurance company.
When you call your insurance company, you will need to make sure you have your policy information with you. You might need to verify your identity. Next, give the facts about the accident: You were in one. Property was damaged. Perhaps someone was injured. Share the insurance information you received from others involved. Additionally, you should have a copy of the report from the police, and you made need to supply the identification number the authorities have assigned to the accident.
Be polite and straightforward. However, do not accept an offer from the insurance company in terms of payout. If you already have a personal injury attorney, provide the contact information to the insurance representative. If you don’t have an attorney, let the insurance company know that your attorney will be in contact.
Hire an attorney to represent you to the insurance company. Whether it’s your own insurance company, or someone else’s insurance company, your best move is to let someone knowledgeable and experienced handle the nitty-gritty of any transactions.
A Personal Injury Attorney Fights for You
Insurance companies are in the business of trying to find ways to reject claims, or at least pay as little as possible on claims. If you are the victim of a car accident, it’s especially important that you hire a personal injury attorney to ensure that you get what is equitable for your situation.
Even if you aren’t the victim of the accident, your insurance company might try to find a way to avoid paying out what is owed on your behalf to the other party. Once again, having a lawyer on your side can help.
An attorney shows the insurance company that you are serious — and that you are well-represented. A good personal injury attorney knows just how to handle insurance companies. Your lawyer can tell you what to say, and what not to say. And, as your representative, your attorney can make all arrangements without you needing to say anything to the insurance company beyond reporting the accident.
If you want to make sure that you say exactly what you should to an insurance company after an accident, don’t say anything at all. Simply call and report the accident, and then provide the name of your experienced personal injury attorney.