Even a relatively minor motor vehicle accident can result in serious injuries that require extensive medical treatment. You may have to take unpaid time away from work, making it even more difficult to cope with mounting medical bills.
While you may be eager to file an insurance claim quickly, doing so may prevent you from receiving a fair settlement. Before speaking with an adjuster, make sure to keep these tips in mind.
1. Insurance adjusters often make a low first offer
It is an insurance adjuster’s job to make sure the company pays the minimum compensation it can. A quick settlement offer may not be enough to address the full impact of your injuries, especially if you face months or years of recovery or disability.
An attorney can help you to determine the full extent of the damages you might expect to receive under the law and decide whether the insurer’s offer is reasonable.
2. Insurance companies may use a statement against you
Consulting with an attorney before giving a recorded statement is also important. While you may think you remember all the details about the accident, an insurance company may try to twist your account to minimize its own liability.
It is a good idea to wait to give an official description of the incident until you have reviewed all the facts. An attorney can assist you in making a fully informed statement that holds up under scrutiny.
3. Insurers require proof of fault
Personal injury claims require proof of fault, but this can be difficult after an auto accident. Attorneys who specialize in motor vehicle injuries often have the experience and the access needed to obtain important evidence, including video footage, public records and statements from expert witnesses.