When you’re involved in a car accident, your most immediate priorities are always going to be your health and safety. As you deal with having your car towed and coordinating your next steps, you will have to deal with insurance companies. Many people assume that insurance companies are there to help them, but it’s important to remember that insurance companies are businesses first. Understanding how to avoid costly mistakes when dealing with insurance companies after your car accident can make a significant difference in the outcome of your claim.
Talking to the Insurance Adjuster Right Away
One of the first mistakes people make is talking to the insurance adjuster too soon. You might get a call from the other driver’s insurance company within a day or two of your car accident. While it may seem harmless to answer the questions they have for you, anything you say can be used to reduce or deny your claim. The adjuster might ask deceptive questions that are designed to get you to downplay your injuries or admit partial fault on the call. Before speaking with any insurance representative, consult with a trusted attorney.
Not Getting Prompt Medical Attention
Another common mistake is delaying medical attention. Even if you feel okay immediately after the crash, injuries like whiplash often don’t show symptoms right away. If you wait to get medical attention, the insurance company may try to say that your injuries are not related to the accident or that they are not serious. Always get evaluated promptly and follow through with any recommended care. This can help a great deal when dealing with insurance companies after your car accident.
Accepting the First Settlement Offer
After an accident, medical bills, car repairs, and missed work can create a tremendous amount of financial pressure in a short period of time. Insurance companies know this and may offer you a quick settlement to get things over with as fast as possible. Unfortunately, this also means that you might accept the settlement before the full extent of your injuries is known. The first offers are typically much lower than what you are entitled to, and once you accept, you usually give up the right to pursue additional compensation later. When dealing with insurance companies after your car accident, patience is key.
Admitting Fault After the Accident
Emotions run high after an accident, and you might be tempted to apologize or make statements about what happened before fully understanding the situation. Unfortunately, any admission of fault can be used against you, even if you’re confused when making it. Let your attorney handle communication to avoid saying something that may harm your case.
Not Consulting an Attorney
Many people assume they can handle the insurance claim process on their own. However, insurance companies have teams of professionals working around the clock to protect their interests. Without someone advocating for you, it is easy to make mistakes that cost you time and money. When dealing with insurance companies after your car accident, having an experienced attorney on your side helps ensure your rights are protected and you receive the compensation you deserve.
Contact Mobley & Brown, LLP for Help with Your Legal Needs
If you are looking to navigate the aftermath of a car accident, you need the right legal assistance. Our experienced legal team is looking forward to working with you to meet your needs. Call us now at (410) 385-0398.