27th April 2023
Car accidents can be an overwhelming experience. Not only do you have to deal with the physical and emotional aftermath of the accident, but you also have to deal with all the complexities associated with filing a claim with your insurance company. Unfortunately, you also may endure harassment from the other driver’s insurance company.
No one should have to deal with hassle and harassment. This is especially true for someone who suffered a severe injury in an accident that wasn’t their fault. If you find yourself in this unfortunate situation, contact Sand Law as soon as possible.
Our firm has extensive experience in car accident cases. We also have a long track record of defeating insurance companies. We know all of the tricks they try to play. When you work with us, we’ll protect you from the harassment of insurance company adjusters. Your Sand Law attorney will handle the insurer. You continue to focus on your physical and emotional recovery.
Filing a Claim with Your Insurance Company
The first step in dealing with the aftermath of a car accident is to file a claim with your insurance company. Your insurance company will investigate the accident and determine who is at fault.
If the investigation indicates you’re at fault, your insurer will cover the damages to the other driver’s vehicle and any medical expenses they may have incurred. If the other driver is found at fault, their insurance company will cover the damages and medical expenses.
Tips for Talking to an Insurance Adjuster
When dealing with insurance companies, it’s essential to keep the following tips in mind:
- Remain calm and polite: It can be tempting to get angry or frustrated when dealing with insurance companies. You must remain calm and polite. If you’re speaking with an insurance adjuster, remember they’ll use anything you say against you. Don’t make it easier for the insurer to deny your claim.
- Stick to the facts: When talking to insurance companies, it’s essential to stick to the facts and avoid speculation. Stick to what you know and provide accurate and detailed information about the accident. Don’t make any guesses regarding how you think the wreck took place. Never admit even the slightest amount of fault. If you do, the insurer may reduce your compensation or deny it altogether.
- Be honest: You should always be honest when talking to insurance companies. If you’re caught lying or misrepresenting the facts, it can damage your credibility and may result in a denial of your claim.
- Don’t agree to anything: You must avoid agreeing to anything until you’ve had a chance to review the settlement terms. You may be entitled to more compensation than the insurance company offers, so it’s important to carefully review the settlement offer before accepting it.
What to Say when the Other Driver’s Insurance Adjuster Reaches Out to You
If the other driver’s insurance company reaches out to you, you must be cautious. The insurance company may be looking for ways to deny your claim or to settle for less than what you deserve. When speaking to the insurance company, provide accurate and detailed information about the accident. Avoid admitting fault or blame. Again, stick to the facts and don’t speculate.
Tactics the Insurance May Use to Deny Your Claim
Insurance companies may use a variety of tactics to deny your claim or to settle for less than what you deserve. Some of these tactics may include:
- Delaying the claim process: Insurance companies may delay the claim process to frustrate you and to get you to accept a lower settlement offer.
- Lowballing the settlement offer: The insurer might offer a settlement lower than what you are entitled to receive.
- Blaming you for the accident: Insurance companies often attempt to shift the blame onto injury victims to deny their claims.
- Disputing the extent of your injuries: Insurers will also dispute the extent of a victim’s injuries to minimize the compensation they have to pay.
Don’t Accept their First Settlement Offer
Again, if the insurance company offers you a settlement, you must carefully review the terms before accepting it. The first offer may be lower than what you are entitled to, so it’s important to negotiate for a higher settlement if necessary. Don’t be afraid to push back and demand what you are entitled to. For example, the settlement might not take into account your pain and suffering or any further medical treatment you may need.
Your best bet is to hire an attorney before accepting any offer. Your lawyer will investigate and determine exactly how the accident occurred and exactly how much money you deserve. If the settlement offer isn’t fair, your attorney will negotiate with the insurance company. If the insurer continues to deny offers, your lawyer will be ready to take them to trial.
Sand Law Will Speak to the Insurance Companies on Your Behalf
As stated earlier, you may want to seriously consider hiring a legal representative if you’re struggling to deal with the other driver’s insurance company on your own. An experienced personal injury attorney can help you navigate the claims process and negotiate with the insurance company on your behalf.
At Sand Law, we have extensive experience dealing with insurance companies and fighting for our client’s rights. We will work tirelessly to ensure you receive the compensation you deserve.
If you are struggling to deal with the insurance company alone, consider hiring an experienced personal injury attorney to help you navigate the claims process and negotiate with the insurance company on your behalf.
Sand Law attorneys fight for our client’s rights and ensure they receive the compensation they deserve. We’re ready to do the same for you. Contact us online for a free case evaluation, or call 651-291-7263.