Dealing With Your Insurance Company After an Auto Accident

In dealing with your insurance company after an auto accident, it’s essential that you follow the rules and stick to the facts. Never accept a low-ball proposal from your insurer. Instead, get an estimate from a third party collision repair center like MIracle Body and Paint. This will help you get every bit of damage related to the accident repaired and paid for.

Do not accept low-ball offers by an insurance company

When dealing with the at fault driver’s insurance company after a car crash, it is vital that you resist the temptation of accepting the first low-ball offer. Even if they don’t tell you they’re in negotiations, you have the right to reject their offer and ask for more.

It is tempting to get compensation quickly. However, while having the money to pay damages immediately is a wonderful stress relief. The insurance company knows this and will present low-ball offers that are significantly less than what is owed.

Relay only the facts

It’s important that you only tell the truth when dealing with your insurance company following an auto accident. You don’t want to make any statements that can be used against you in the future. Your claim will be more credible if you only relay the facts of the accident to the insurance company.

An attorney can be hired

If there is an injury, or if the insurance company is insistent on not covering all the damages to your vehicle. Hiring an attorney to represent you when dealing with your insurance company after an auto collision can ensure that you get the best possible outcome in your case. These lawyers have extensive experience in dealing with insurance companies and will make sure that you don’t say anything that could hurt your case. If necessary, they can also bring in experts to support your case. They can also negotiate with insurance companies to reach a fair settlement.

Be honest

You must be honest with your insurance company when dealing with them after an accident. The adrenaline from a car crash can mask the severity of your injuries. Your statements to an insurance representative could be used against you and you could end up with less compensation than you deserve. Keeping your emotions and opinions in check when dealing with your insurance company will help ensure that you get the compensation you deserve.

Insurance adjusters are trained to look for inconsistent statements and admissions of liability. This can be especially dangerous for victims as it could lead to them making contradictory statements. You should be honest with your insurer at every opportunity, but be very careful when dealing with the insurance companies of other drivers. You have a legal duty to cooperate with your insurance company, but dealing with the other driver’s insurance company is more risky, as the environment can often be hostile.