If you or a loved one has been in a car accident, you may have suffered injuries or damage to your vehicle. If you have a car insurance policy, you rely on the insurance company to repair or replace your car.
Some insurance companies may try to avoid paying your claim. If you put in an insurance claim and the company doesn’t want to pay, how are you going to pay for your property damage?
Knowing how insurance companies work and how you should interact with them can help you avoid this unfortunate situation. Here are some of Anthem Injury Lawyers’ tips for dealing with insurance companies after an accident.
Review the Insurance Policy
There are many different types of car insurance coverage. Most policies cover liability, which is for damages and injuries that you cause to other parties. There is also: collision insurance, comprehensive insurance, uninsured motorist insurance, underinsured motorist coverage, medical payments coverage, gap insurance, rental reimbursement insurance, and personal injury protection insurance.
Understanding what type of coverage you and the at-fault driver have is important to receive the maximum benefit possible from an insurance company. If you have questions about what type of insurance you or another party has and what it covers, you should speak to an experienced personal injury attorney.
Only Answer the Question That is Asked
When your insurance claim is filed, you may receive a phone call from an insurance adjuster. They will ask you questions about the accident. Answer the questions directly and honestly, but do not offer any additional information. Don’t deviate from the information that was on the police report, unless the report was wrong.
Be aware that the conversation is probably being recorded. Many insurance companies will use anything that you say in this call against you to avoid paying your claim.
Never Accept the First Settlement Offer
The insurance claims adjuster will often offer to write you a check to settle your potential personal injury claim. It is never a good idea to accept that first offer.
An insurance adjuster’s job is to save the insurance company money. They are not looking out for your best interests. The amount of money that they offer to pay may not cover all of your past medical expenses, future medical treatments, or make up for the time you were out of work.
We highly recommend that you get legal advice from an experienced personal injury attorney before accepting any offer from an insurance company.
Experienced Las Vegas Personal Injury Lawyers
If you have been in a car accident, you should speak with an experienced personal injury attorney who can help you protect your rights.
If you are looking for a law firm with experienced car accident attorneys, contact Anthem Injury Lawyers today for a free case evaluation. Our phone number is (702) 857-6000. We offer Free Consultations.