Dealing With Insurance Companies
If you have been in a car accident, it's important to know what steps you need to take to protect your rights and receive the compensation you deserve due to injuries and damages.
Immediately after a car accident occurs, it is not likely that you are thinking about safeguarding your rights. If you are physically able to, you should assess the situation and call 911 to report the accident and any injuries if necessary. You will need to exchange insurance information with any other parties involved. It is important not to discuss the specifics of the accident with anyone until you have legal representation. Document as much information as possible at the scene if you can, and obtain contact information for any eyewitnesses. Make sure to obtain a copy of the police report. Do not give any written or recorded statements to the other driver's insurance adjuster or your own insurance adjuster without first speaking to an attorney.
Your attorney will write what is called a demand letter to your insurance company after collecting all of the information about your injury, and this letter explains the following specifics:
- The extent of your injuries
- Current and future income losses
- The type of medical treatment you need and how much it will cost
- Any other damages you have suffered as a result of the accident
- Why the other person is responsible for your injuries
This demand letter will ask for a certain sum of money to settle your claim, and you will determine this amount with your attorney. Insurance adjustors are notorious for trying to reduce these claims, but a lawyer can stand up for your rights by using experience negotiation methods until a settlement is reached. A majority of insurance claims after accidents are settled at the adjuster level, but if this is not possible then the case will go to trial.