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How To Speak With the Insurance Company After a Crash
Insurance agencies like to promote themselves as companies that provide “peace of mind.” There is comfort in knowing that if you get into a serious car accident along the Dixie Highway or the I-65 Corridor, you’ll be covered. Your hospital bills will be paid, and your car will be fixed.
One way to bolster your chances of securing a fair settlement is to get an experienced Louisville car accident attorney involved in the process. The attorneys at McCoy & Hiestand, PLC, have helped many clients navigate the sometimes complicated insurance claims process.
If you’ve been involved in an accident caused by another driver, you’ll want to know how you should deal with the insurance company.
Discussing Injuries with the Insurance Company After a Crash
It’s vital that you stick to the basic facts, such as the date, time, and location of the accident. You also want to identify all parties involved, including the other driver and any passengers in your car. What you don’t want to discuss is your opinion about what caused the crash.
You should be cautious when discussing any injuries right after your accident. Some injuries might not fully manifest for days after the accident. You might not know the full extent of any recommended surgery or ongoing treatment.
The better approach is to get a full medical evaluation that clearly details all your claims.
Do You Need to Provide a Recorded Statement to an Insurance Adjuster?
It is probably not a good idea to consent to a recorded statement until you’ve spoken to an experienced attorney. You don’t want to be on the record with statements that could be used out of context or unintentionally minimize your claim.
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Handling Questions About Fault and Liability After a Car Accident
You should avoid admitting fault or assigning blame during conversations with the insurance company. The best approach for determining fault is to share your evidence with an attorney and let them conduct a thorough investigation. They might be able to bring in accident reconstruction experts to provide a definitive answer to who is responsible for the crash.
Risks of Accepting a Quick Insurance Settlement
You should always be wary of early settlement offers. That’s because they are typically a lower amount than what your claim may actually be worth. What happens if your injuries worsen or your car repair bills turn out to be more expensive? If you accept a settlement too soon, it can prevent you from recovering additional compensation.
Before Signing Any Documents from an Insurance Company
You should not sign any documents without fully understanding their implications.
Some forms could give the insurer access to your medical history. They could be looking for preexisting conditions to blame for your injuries. You might also inadvertently sign a waiver that prevents you from pursuing further compensation. If you’re given any documents to sign, you should have your attorney review them before signing.
How Legal Representation Simplifies Insurance Communication
If it seems intimidating to deal with an insurance company, that is by design. There are some carriers who want to put up roadblocks in the hope that you’ll get frustrated enough to drop the claim. We won’t let that happen.
At McCoy & Hiestand, PLC, we have the experience and skills to take on the insurance company, so you don’t have to. We’ll take over communications to ensure your interests are protected. Our goal will always be to ensure that our clients get the best possible settlement to cover all their losses.
If you have any more questions or want to discuss your next move, call or contact us online for a free case evaluation today.
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