If you are in a car accident, you are obviously going to reach out to your car insurance provider for assistance. While these providers do work to take care of their customers, you should also keep in mind that they have goals they need to meet as a company, and they will try to settle your case for as little money as possible. Things can be even worse if you have to negotiate with the other driver's insurance company. If you feel your insurance company is not doing enough to help you or you are getting frustrated by the insurance company of the other person involved in the accident, you might want to reach out to a car accident lawyer for assistance. Sometimes all it takes is a phone call from an attorney to get things moving quickly. But in the meantime, here are 3 things you should know when talking to an insurance provider following an accident.
You Don't Have to Give a Recorded Statement
Insurance companies often ask for a recorded statement, usually over the phone following an accident. They may try to make it sound it is mandatory, but you should know that you have the right to refuse. Insurance companies sometimes use statements like these to fit their own agenda. If someone keeps insisting you give a statement, tell them they'll have to talk to your attorney and their tone will likely change real quick.
You Don't Have to Accept the First Offer
If a car insurance company offers you money, the first instinct is of course to take it. But you should know that the offer made is not final. If the company knows you don't have an attorney, they may try to lowball you. An experienced car accident lawyer will know how to counter the offer and get them to the bargaining table.
You Are Entitled to Multiple Types of Damages
If you are not at fault in the accident and someone else's insurance company is going to pay you, make sure you know the full value of your claim. You may be entitled to not just vehicle damage but additional out-of-pocket expenses like if you had to take a taxi home after the accident. Personal property damage and even car rental fees could be up for debate depending on the circumstances. Having an attorney who can examine the situation will help you maximize the full value of your claim.
If you are trying to get a claim fulfilled following a car accident, you may want to consult with an attorney, even if it's your own insurance company that you are negotiating with. A car accident lawyer like those at Antonucci Frank & Associates Attorneys may be able to get a better offer and maximize your claim. Having an attorney on your side can also help if the insurance company is trying to intimidate you with a recorded statement or other tactics.
