The aftermath of car accidents are stressful enough when there are injuries involved, let alone having to deal with the insurance company. Recovering compensation from insurance companies can prove to be difficult, which is why it is important to know what to expect and how to handle these situations. Continue reading below to learn more.
Insurance Adjusters Are Trained to Negotiate
Insurance adjusters are hired to act in the best interest of the company by paying out as little in claims as possible. They do not have to treat you fairly throughout the process. It is because of this that they will often deny a claim or refuse to recognize its full value so that they do not have to pay.
Do Not Accept the First Settlement Offer
The first offer by an insurance company is often unfair, as they hope victims in need will take the first amount that is offered to them. However, this can cause you difficulty in the long run if you do not have enough to cover your expenses. Do not take the first offer right away and be sure to fight for the compensation you deserve.
They Will Try to Avoid Paying Medical Expenses
To avoid paying for your medical expenses due to the accident, an insurance company may claim you are lying about your injuries or committing fraud. Make sure you keep proper documentation of all doctors office visits as evidence so you can prevent this from happening.
You do Not Have to Take Your Car to Their Recommended Body Shop
It is important to know you are not required to use the body shop recommended by the insurance company. You are able to use any shop of your choice. In doing so, be sure to use the insurance company’s repair estimate to compare prices.
You Have the Right to Appeal the Insurance Company’s Offer When it Totals Your Vehicle
Insurance companies may choose to “total” a car if its repairs cost 70% or more of its value. When they do, they are required to pay you for the car’s fair market value. In these situations, ask to see the cars your vehicle was compared to determine its price to make sure you were not ripped off. You may also want to do research or hire an independent adjuster for a second opinion.
Do Not Listen to Any Threats
To try and get out of paying a claim, insurance companies may sometimes try extortion techniques. This may be done by paying a policyholder’s claim and sending you a collections letter asking you to pay the debt or your license will be suspended. If you are facing this situation, contact an attorney to know your rights.
Never Sign Anything Without a Lawyer’s Reviewal
Insurance companies will use anything you say against you if they can. This is why you should never give a statement or sign documents without first speaking to a personal injury attorney.
Contact our Firm
If you have been the victim of the negligence of another in an automobile accident, please contact my office as quickly as possible following the subject accident. It is important to consult with us early on so that we may begin the process of fighting for your rights in regard to any potential claim that you may have. The process is complicated and requires the expertise of a qualified New Jersey personal injury attorney. CONTACT US TODAY!