Dos and Don’ts for Dealing With the Insurance Company After a Crash
If you have been involved in a car accident, dealing with the insurance company can be one of the most challenging aspects of an already stressful and difficult situation. Insurance adjusters may appear helpful, but beware; their job is to minimize payouts for the company they work for. To protect your rights and ensure you receive fair compensation, it’s essential to know what to do—and what to avoid—when communicating with the insurance company.
See below for some general dos and don’ts to consider when dealing with the insurance company after a crash. If you or a loved one has been hurt in an automobile collision in West Virginia, contact Burke, Schultz, Harman & Jenkinson. Our experienced Martinsburg car accident lawyers can advise you and advocate on your behalf with the insurance company so you can focus on your recovery and getting your life back in order.
Dos After a Crash
1. Do Report the Accident Promptly
You should report the accident to your insurance company as soon as possible. Many insurance policies require timely notification of accidents to process claims efficiently. However, be mindful of what you say when reporting. Consulting an attorney before contacting the insurance company can be beneficial to your claim.
2. Do Document Everything
If you are physically able, gather as much evidence as possible from the accident scene, including photos of the vehicles, road conditions, traffic signs, and any visible injuries. Keep copies of medical bills, repair estimates, and any correspondence with the insurance company.
3. Do Stick to the Facts
When speaking with an insurance adjuster, provide basic details about the accident, such as the time, location, and the parties involved. Avoid speculation or admitting fault, as this could be used against you.
4. Do Seek Medical Attention
Even if you seem okay, it is essential to see a doctor after an accident. Some injuries, such as whiplash or internal trauma, may not be immediately apparent but could cause serious problems if left untreated. Medical records will also serve as valuable evidence in your claim, linking the injury to the accident.
5. Do Consult a Personal Injury Attorney
Insurance companies may attempt to settle your claim quickly and for less than you deserve. An experienced personal injury attorney can negotiate on your behalf and ensure you receive full compensation for your injuries and damages.
Don’ts After a Crash
1. Don’t Give a Recorded Statement Without Legal Advice
Insurance adjusters may ask for a recorded statement, but you are not obligated to provide one. These statements can be used to twist your words and diminish your claim. Speak with an attorney before making any recorded statements.
2. Don’t Accept the First Settlement Offer
Initial settlement offers are often lower than what you are entitled to. Accepting a quick settlement could leave you without sufficient compensation for future medical expenses, lost wages, or pain and suffering.
3. Don’t Sign Anything Without Reviewing It Carefully
Insurance companies may ask you to sign documents that could limit your ability to seek further compensation. Never sign any settlement agreements, medical authorizations, or other forms without consulting an attorney first.
4. Don’t Downplay Your Injuries
Be honest about your injuries and the impact they have on your life. Minimizing your pain or avoiding medical treatment can weaken your claim and reduce the amount of compensation you may receive.
5. Don’t Discuss Your Case on Social Media
Insurance companies may monitor your social media profiles for evidence to use against you. Avoid posting details about the accident, your injuries, or your recovery process to prevent your statements from being misinterpreted.
Contact Burke, Schultz, Harman & Jenkinson for Help With Your West Virginia Car Accident Claim
Navigating the insurance claims process after a crash can be overwhelming, especially when you are recovering from injuries and not at your best. At Burke, Schultz, Harman & Jenkinson, our experienced West Virginia personal injury attorneys are here to advocate for your rights and ensure you receive the compensation you deserve. Contact us today for a free consultation to discuss your case and learn how we can help.
