If you’ve been injured in an accident, dealing with insurance companies can be a frustrating and complex process. At Ballenger & Roche, we handle this process in its entirety in order to minimize your headaches and maximize your recovery. Insurance providers are focused on protecting their bottom line, which often means minimizing the payouts for personal injury claims.
When you find yourself in an accident, here are 7 important dos and don’ts to keep in mind with an eye toward how insurance companies will view your personal injury claim:
DO:
1. Document everything. Get the identifying information for the other driver and their insurance company. Record contact information for any eye-witnesses. Keep meticulous records of all your medical treatment, expenses, communications with the insurance company, and any other relevant information. This documentation will be crucial evidence to support your claim.
2. Seek medical attention promptly. See a doctor right away, even if you don’t think your injuries are serious. Getting prompt medical care not only ensures your health, but also creates a paper trail to demonstrate the extent of your injuries.
3. Be truthful. Never exaggerate or misrepresent the details of your accident or injuries. Insurance companies will thoroughly investigate your claim, and any discrepancies could jeopardize your entire case.
4. Understand your policy. Review your insurance policy carefully to know exactly what is and isn’t covered. This will help you make informed decisions about your claim.
5. Consult a personal injury attorney. An experienced lawyer can protect your rights, negotiate with the insurance company on your behalf, and ensure you receive the full compensation you’re entitled to.
DON’T:
1. Accept the first settlement offer. Insurance companies often make low initial offers, hoping you’ll take the money and go away. Don’t fall for this tactic – work with your attorney to negotiate a fair settlement.
2. Sign anything without reading it. Never sign any documents, releases, or agreements without thoroughly reviewing them first. Insurance companies may try to get you to waive your rights. If you receive a document, send a copy to your lawyer.
3. Discuss the details of your case. Politely decline to give any recorded statements or interviews to the insurance company. Refer them to your attorney instead.
4. Post about your case on social media. Anything you say or share online can potentially be used against you, so it’s best to avoid discussing your personal injury claim publicly.
5. Delay filing your claim. There is a strict time limit, known as the statutes of limitations, for filing personal injury lawsuits. What that time limit is varies from state to state and depends on what type of claim you are making. Do not wait to contact a lawyer. Lawyering up and starting your claim as soon as possible will best protect your legal rights.
By following these dos and don’ts, you can level the playing field and increase your chances of securing the compensation you deserve from the insurance company. Remember, you don’t have to go through this process alone – working with a qualified personal injury lawyer is one of the best ways to navigate the complexities of insurance claims and get the best possible outcome. Contact us today for a free consultation.