Tips For Dealing with Insurance Companies After a Car Wreck

Have you been injured in a car accident that was someone else’s fault? If you answer yes, then (if you don’t hire an Attorney) you should expect to deal with at least one insurance company (if not more) fighting to give you as little money as they can. Before you embark on that path and step into a situation that you aren’t familiar with, you should take a look at the following tips (#5 is the Best):

Tip #1: Don’t Take the “Quick” First Offer

The goal of an insurance adjuster is to adjust your insurance claim to try give you less and save the insurance company money. Typically, the adjuster will attempt to do this by minimizing the amount paid for each claim by ignoring the full value of your case, claiming you paid too much for medical care, or even denying the claim altogether.

On tactic the insurance adjuster will use it to offer you a “quick” settlement that will typically occur before you even finish your treatment. Taking this quick first offer may seem like a good idea at the time so that you can move on, but it may not even be enough compensation to cover immediate bills. If your injuries linger and you need additional treatment or you have long-term effects as a result of your injuries, the initial settlement may not cover your future bills. Since you don’t know what the future holds, it is critical that you don’t accept the “quick” first offer given to you.

We (as do most competent lawyers) always recommend speaking with an attorney before accepting the first settlement offer. If you call the Trey Harrell Law Office, LLC, we won’t charge you to discuss with you whether or not it is a good offer.

Tip #2: Take Lots of Photos

It is always the best practice to take as many photographs as possible after the car accident (if you are able to do so). Photographs typically provide some of the best evidence to back up your claim. The insurance company, unless pushed by a car accident attorney, will routinely only provide the photos and other documentation that is beneficial to their position. It is important that you collect all evidence related to your claim such as proof a collision occurred, confirmation of the location and surrounding traffic signs, signals and pavement markings, and sometimes who was present at the scene, so you are able to properly outline the damages and why they occurred.

We recommend that you take photos of property damage, injuries (immediately following the accident and throughout the next few days), nearby traffic signs, witnesses, police officers, the other driver and their car, license plate, driver’s license, insurance, registration, etc.

Tip #3: Avoid a Recorded Statement

The insurance company will likely try to get a recorded statement from you as soon as possible. The adjuster may attempt to use this to lock you into details that may be used against you in an attempt to deny your claim or build evidence to reduce your potential settlement.

Remember the insurance adjuster’s ultimate goal is to reduce (or adjust) the value of your claim in order to save the insurance company money, not to compensate you for your injuries and make you whole.

Tip #4: Don’t Fall for Delay Tactics

Time and time again insurance companies to begin to ignore you if you decline their “quick” first offer. These delays come in many forms, such as ignoring your calls, “misplacing” important documents, transferring you to different agents or postponing your claim. These tactics are used in hopes that you will give up or just let your health insurance pay.

Tip #5: Contact an Experienced Car Accident Attorney

After you have been injured in an accident you have more than enough to deal with. Your only focus should be to get better not on the games being played by your adjuster. An experienced car accident attorney understands that the adjuster is trying to adjust (reduce) the compensation you receive and knows how to deal with them on their terms.

If you’ve suffered from an injury in a car accident that was not your fault, don’t try to deal with an insurance adjuster who has an incentive to give you less money. Attorney Trey Harrell and his team at the Trey Harrell Law Office, LLC have the experience you need to get you the compensation you deserve. So Remember Don’t Delay Call 843.636.TREY or fill out our quick online survey today.

Disclaimer: Information in this blog is intended for informative purposes only and not legal advice. Please consult with a licensed attorney before you make any decisions on legal matters. Further, viewing of this information does not create an attorney-client relationship with the Trey Harrell Law Office, LLC. Matters will be handled by an attorney who primarily practice out of our office in Charleston County located at 2000 Sam Rittenberg Blvd. Charleston, SC 29407. Robert W. "Trey" Harrell, III is the attorney responsible for this posting.

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