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What You Need to Know Before Talking to the Insurance Company After an Accident
After being involved in an accident, the insurance company of the at-fault party will reach out to you as soon as possible. You might still be reeling from the traumatic event you just endured and might even be recovering from some serious injuries, but this will not matter to the insurance company. Their job is to keep you from recovering the compensation you deserve and need to move forward with your life.
Instead of falling prey to their tactics, it is important to understand a few key things before dealing with them. Here is what you need to know prior to talking to the insurance company:
Telling the insurance company what happened: When it comes to your own insurance company, you should absolutely explain your version of events. However, when the other driver’s insurance company reaches out to you for your version of events, you need to be careful about the statements you make. The insurance company is not your friend and will attempt to use your statements against you. Do not apologize or suggest that you are not hurt. Symptoms do not always appear right away, so if you say that you are fine and later discover that you were injured, this can present a major problem for you. In fact, the wisest thing to do is to refuse to provide a statement.
Talking about your injuries: The insurance adjuster you speak with will ask if you were injured and will ask for details. It is not in your best interest to answer such questions, so do not provide any details at this point. Chances are it is still too early to determine the full extent of your injuries, so discussing any details would do a disservice to your case.
Remain calm and be polite: This is undoubtedly an overwhelming time for you and you might be upset and frustrated, but taking out these emotions on the insurance adjuster will not help you. Try to keep calm, be polite, but also remain firm in refusing to provide a statement.
Do not rush to settle: It is very likely that the insurance adjuster will make an offer and if you are already facing expenses related to your injuries or property damage, you might be tempted to take it for immediate relief. You should resist this temptation since it is likely the amount being offered is not enough to even begin to cover all of your expenses, especially if it turns out your injuries are more severe than you think and require long-term treatments. It might sound nice to have some cash at the moment, but it will cost you more in the long run.
Montgomery County Car Accident Attorney
If you were injured in a car accident, you need to consult with a personal injury as soon as possible. At Morris Wilson, P.C., our legal team has decades of collective experience at our disposal and will effectively pursue compensation on your behalf. Our client-centric approach and tenacious advocacy will give you the best possible chance at recovering what you deserve.
Call us today at (610) 825-0500 to schedule a free consultation.
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