Dealing with an insurance company after a car crash or any accident can feel almost as overwhelming as the incident itself. Many people are frustrated by the claims process, and with good reason—insurance companies are not always looking out for your best interests. Their goal is often to settle claims quickly and for as little as possible, which means that without proper preparation, you could end up with far less than you deserve.
Understand Your Policy Before You Speak
The first step to protecting yourself during any claim process is to understand your own insurance policy. This is something many people overlook, but having a clear grasp of what is covered—and what isn’t—will empower you when it comes time to talk to your insurer. If you don’t understand all the terms, don’t hesitate to ask your insurance agent to explain the details. Be aware of your coverage limits, any deductibles, and the specifics of personal injury protection (PIP) or uninsured motorist coverage, as these can play a crucial role in how your claim is processed.
Keep Detailed Records of Everything
One of the most important things you can do after an accident is to keep thorough documentation. This means not just taking photos of the accident scene but also tracking every piece of communication with your insurer. Every call, email, and interaction should be logged with the date, time, and the substance of the conversation. If you’re speaking with an adjuster, take careful notes about what is discussed, as these details could be important down the line. Keep copies of all medical records, receipts for any expenses related to the accident, and evidence of lost wages if applicable. The more documentation you have, the stronger your case will be.
Avoid Settling Too Quickly
Insurance companies often try to get claimants to settle quickly, offering an immediate payout in exchange for closing the case. These early offers are almost always much lower than what you may be entitled to. Adjusters may claim that the offer is the best you will get, or they might pressure you to accept it quickly, often implying that if you don’t act fast, your claim will be delayed or denied. It’s crucial to resist this pressure. Settlement offers may not account for long-term medical costs, lost income, or the full extent of pain and suffering. Always take time to review any offer carefully, and consult with a legal expert before agreeing to any settlement.
Be Careful What You Say to Adjusters
When speaking with an insurance adjuster, be mindful of the words you use. While you may feel inclined to be cooperative or express sympathy, your statements can be used against you. For instance, if you mention that you’re “feeling better” or that “it’s not a big deal,” the insurer may use that as a reason to minimize your claim. Stick to the facts. Describe the accident, the damage to your vehicle, and any injuries in neutral, clear terms. Avoid speculating on your injuries or how long recovery will take. If you’re uncertain about how to respond to an adjuster’s questions, it may be best to refer them to your attorney to avoid unintentionally harming your case.
Know When to Seek Legal Help
One of the best decisions you can make is to consult with an attorney before engaging fully in the insurance claims process. An experienced personal injury lawyer can offer invaluable guidance on how to handle communications with the insurer, negotiate for a better settlement, and protect your interests. Many people wait until they’ve already been offered a settlement or run into trouble before reaching out to legal counsel. However, bringing a lawyer into the picture early on can help you avoid common pitfalls and ensure your rights are fully protected.
At McKinnon Law, we understand how daunting the insurance claims process can be, especially after an accident. If you’re dealing with an insurance company that’s offering a lowball settlement or if you simply don’t know how to navigate the claims process, we are here to help you every step of the way.