Do’s and Don’ts of Dealing with Insurance Companies After a Crash
After a car accident, dealing with insurance companies can be one of the most challenging steps. While they’re supposed to help you recover from your losses, insurance companies often have their own interests at heart. To protect your rights and ensure you get the compensation you deserve, here’s a guide to the essential do’s and don’ts when handling insurance claims after an accident.
DO Report the Accident Promptly
One of the first steps you should take is notifying your insurance company about the accident. Most policies require prompt reporting, and delaying it can complicate your claim. Give them the basic details about the crash, including the time, location, and people involved. Remember, this initial report doesn’t mean you have to go into detail or admit fault.
DON’T Admit Fault or Apologize
It’s natural to want to apologize after an accident, but admitting fault—even partially—can harm your claim. Determining fault in an accident is a complex process that often requires investigation. Keep your statements factual, and avoid saying anything that could be interpreted as admitting responsibility.
DO Document Everything
Keeping a detailed record of all information related to the accident and your injuries is critical. This includes:
- Photos of the accident scene, damages, and any visible injuries
- Medical records and treatment documentation
- A journal of symptoms, pain levels, and any physical limitations caused by the accident
- Communication records with the insurance company
This documentation can provide essential evidence to support your claim if you encounter resistance from the insurance adjuster.
DON’T Provide a Recorded Statement Without Consulting an Attorney
Insurance adjusters may ask you to give a recorded statement about the accident. While they might say it’s routine, this statement can be used against you to reduce your payout. Politely decline the recorded statement and consult with a lawyer before discussing the details of the accident. An experienced attorney can advise you on how to communicate without jeopardizing your claim.
DO Be Cautious When Discussing Injuries
After an accident, some injuries take time to fully reveal themselves, and symptoms may develop or worsen over time. Avoid saying phrases like “I’m fine” or downplaying your injuries, as these statements can weaken your case later. Instead, keep your statements general and say something like, “I’m seeking medical attention” or “I’m in the process of assessing my injuries.”
DON’T Accept the First Settlement Offer
Insurance companies often offer a quick settlement after an accident, but it’s usually lower than what you’re entitled to. Accepting an early offer might leave you responsible for additional medical expenses or other damages that arise later. Before agreeing to any settlement, review the offer with an attorney who can help you determine if it’s fair.
DO Follow Your Doctor’s Recommendations
Following all medical advice after an accident is important for both your recovery and your insurance claim. If you skip appointments or don’t follow the recommended treatment, the insurance company may argue that your injuries aren’t as serious as you claim. This could significantly reduce the compensation you receive.
DON’T Post About the Accident on Social Media
It might be tempting to share updates about your recovery or vent about the accident on social media, but anything you post can potentially be used against you. Insurance adjusters often check social media accounts for evidence that could undermine your claim. To avoid any risk, it’s best to keep accident details off social media until your case is resolved.
DO Seek Legal Assistance
Insurance companies have teams of adjusters and attorneys working to minimize payouts. Having a skilled personal injury attorney on your side helps level the playing field. An attorney can handle communications with the insurance company, negotiate for fair compensation, and ensure your rights are protected every step of the way.
Final Thoughts
Navigating the insurance process after a crash can be tricky, especially when insurers may not have your best interests in mind. By following these do’s and don’ts, you can protect yourself and strengthen your case. At Keith Short & Associates, we have extensive experience dealing with insurance companies and fighting for the compensation our clients deserve. If you’re facing an uphill battle with your insurance claim, we’re here to help.