Dealing with a car insurance company after an accident can be stressful, especially when you’re also healing from physical injuries. Here are 3 secrets to dealing with a car insurance company after you’ve been injured in a crash and how you can recover the maximum amount of compensation possible for the damages you’ve incurred.
1. Wait to Negotiate a Settlement Until You Have All the Necessary Documentation
Attempting to negotiate a proper settlement before you have everything you need to prove your case can be detrimental. Since car insurance companies tend to lowball accident victims to begin with, not having all of your medical bills or photos of the accident damage available when negotiating your claim won’t give you the backing you need to push for a higher settlement. Wait until you have all of your medical bills, an estimate of future medical expenses, and other necessary documents before beginning settlement negotiations.
2. Be Careful What You Say to Insurance Companies When Communicating With Them
Your insurance company, and even the other driver’s insurance company, may contact you at random for various reasons. A simple phone call to see “how you’re doing,” is often their way of checking to make sure you aren’t faking any injuries or that you really are as impacted by the accident as you say you are. Be careful what you say when communicating with insurance companies. Stick to the facts, go with “yes” or “no” answers, and don’t offer more information then they are asking for. If asked how you are feeling, avoid saying “fine.” Instead, paint the real picture. You could say, “I’m in a lot of pain, but the pain medication I took that was prescribed by my doctor has taken the edge off and now I’m able to rest on the couch while my family takes care of household duties.”
3. Allow Your Attorney to Handle Working with the Insurance Company
Apart from the absolutely necessary conversations you will have to have with your insurance company, you should direct them — and the other driver’s insurance company — to speak with your attorney. It is usually to your benefit to let an insurance company know that your car accident attorney is happy to answer any questions they may have.
At Appalachian Injury Law, we know how challenging it can be to deal with insurance companies after being in a devastating car wreck. We’ll provide you with the comprehensive representation you need to increase the chances your settlement will be maximized. Call now for a consultation at (706) 515-1995.