If the other driver’s insurance company calls you, you should only speak with them if your attorney is present. Insurance companies may try to use tricky tactics to undervalue your claim.
Speaking to an insurance company on your own could have devastating consequences for your insurance settlement. Instead, have your car accident attorney handle your insurance claim from the start, so your compensation is never in jeopardy.
Never Speak to the Insurance Company Without Your Lawyer
It is in your best interest to speak to the insurance company with your attorney present. You should clear up any issues the insurance adjuster has so you can quickly access the settlement you deserve.
Far too often, injury victims like you find themselves taken advantage of or are stuck dealing with claim denials after speaking with insurance adjusters. Here are some of the risks associated with talking to the insurance company without your lawyer present:
You Could Be Accused of Sharing Fault
First, you could be accused of sharing fault for the accident if you speak to the insurer alone. Many states follow comparative negligence laws that limit the compensation victims can win if they share the blame for the accident.
For this reason, insurance companies may take your statement and manipulate it to make it appear that you have accepted blame or expressed guilt for causing the accident. If this happens, you will face an uphill battle as your attorney attempts to correct these issues and accurately establish liability.
Everything You Say Can Be Recorded
When you speak with the insurance company, everything you say is on record. Then, when it is time to review your claim and determine whether it should be approved or denied, the insurance adjuster will go through your statement to determine if you have said anything to indicate liability or fault.
Even a seemingly minor statement could cost you in the long run. The last thing you need is for something you said to be taken out of context and used against you by profit-driven insurers.
The Insurance Company Will Lose Money Paying Out Your Claim
Insurance companies lose money when they pay out on claims. Insurance adjusters look for opportunities to reduce settlements or deny claims entirely.
After all, they must protect the insurance company’s financial interests at all costs. However, this is not something you should have to deal with. When you have your attorney handling your case, your pursuit of fair compensation is protected.
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How To Handle the Other Driver’s Insurer
Your car accident attorney will handle the other driver’s insurance company on your behalf. When you file a claim with the insurance company, and the insurer needs to speak with you, you can direct them to your legal representative. Your lawyer will ensure they have access to the facts they need to continue processing your claim.
If insurance adjusters have questions or concerns, they can contact your lawyer to get the necessary answers. When discrepancies arise, your attorney will be ready to present compelling evidence proving the at-fault party’s liability and your right to financial compensation.
Suppose the insurance company attempts to reduce your settlement unfairly or deny you the compensation you are entitled to. In that case, your lawyer will be ready to fight back and hold them accountable for their financial obligations.
Will Your Insurance Settlement Be Enough To Cover Your Losses?
Unfortunately, you may find that your insurance settlement does not meet your needs. Whether this is because the insurance company has taken advantage of you or because insurance policies only cover specific types and amounts of damages, your insurance settlement may not compensate you for every loss you suffered. It is essential to have your car accident attorney explore all options for financial relief so you can get the most out of your claim.
Insurance will generally only cover vehicle repair costs and medical expenses. However, you should pursue compensation for each loss you suffered. For this reason, you may decide to file a personal injury lawsuit against the liable party.
Call the Car Accident Team at Jenner Law for Help Today
Speaking to the other driver’s insurance company might initially seem like the best way to resolve your case as soon as possible. However, with the insurance company prioritizing their financial interests, it may be best to have the protection and support of an experienced car accident lawyer.
Reach out to the car accident team at Jenner Law for help obtaining the insurance settlement you deserve. Call us for your free, no-obligation consultation when you are ready to begin your case.