Dealing with an insurance company after a personal injury can be a daunting task, especially with everything else that comes with recovering physically and financially from the incident that occurred. Knowing how to navigate the process is crucial to ensure you receive a fair outcome. In this blog, we will attempt to provide you with some essential tips to effectively handle insurance companies, protect your rights, and ensure you receive the compensation you deserve.
When to Notify an Insurance Company
It is crucial to promptly notify all insurance companies about your injury, including your own insurance provider. Time limits for reporting injuries may vary, so it is best to inform them as soon as possible to avoid any potential issues with your claim. The sooner you start your claim, the sooner you can move forward in the process and receive your compensation. Even if you do not want to give a statement early on in the prcoess, if you receive a call, keep all contact information. Inform your company of the incident in writing if possible.
What to Tell the Insurance Company
When communicating with insurance companies, be mindful of your duty to your own company versus a liability company representing the at-fault party. Provide factual information about the incident, including date, time, and location. However, avoid reaching conclusions or making any speculative statements. Stick to the facts and let the investigations determine liability. If you are not sure about something when it comes to handling the insurance company or the adjuster, speak with a lawyer who can confidently provide guidance.
What to Document
Thorough documentation is vital for your personal injury claim and is often overlooked. Keep detailed records of medical treatment, expenses, and any other costs related to your injury. Take photographs of the accident scene, your injuries, and all property damage (if applicable). Additionally, obtain contact information from any witnesses who can support your version of events if possible. It is always better to over-document than to not have enough evidence if you need it later.
Make Sure Everything Is in Writing and Avoid Recorded Statements
Verbal conversations with insurance representatives can be easily misunderstood or misinterpreted. It is crucial to communicate primarily in writing, such as through emails or formal letters. Require any adjuster to put any promise or offer in writing so there is no confusion. Do not accept any offer over the phone. Refrain from providing recorded statements without the advice of an attorney, as they can be used against you later in the claims process.
Insist on Written Offers
Again, to avoid confusion or disputes, insist that any settlement offers or negotiations from the insurance company are put in writing. This ensures transparency and provides a clear understanding of the terms and conditions being proposed. Review all offers carefully, and if needed, consult with a personal injury lawyer to evaluate their adequacy. Insurance companies can sometimes give low-ball offers, which is where a lawyer would be able to negotiate on your behalf to ensure you receive the best compensation possible for your case. Providing the insurance company with medical expenses, photos of any injuries sustained, and property damage photos can be an asset when negotiating your settlement.
Seek Legal Help
Dealing with insurance companies can be overwhelming, especially when navigating legal complexities. Hiring an experienced personal injury lawyer can greatly ease your aggravation and confusion. An attorney will advocate for your rights, handle negotiations, and ensure you receive fair compensation for your injuries.
See What Gary Bruce Says About Dealing with Insurance Companies
Dealing with insurance companies after a personal injury can be overwhelming and requires careful consideration and strategic steps. Gary emphasizes notifying your insurance company right away, communicating in writing, avoiding recorded statements, documenting everything, and seeking legal help to navigate the process.
WATCH: Gary Bruce discusses how to deal with insurance companies after a personal injury.
For a free consultation to discuss your options with your case, contact the Law Offices of Gary Bruce and we will help you fight for what you deserve.
