What to Expect When Dealing With an Insurance Company
If you have recently been involved in an accident, you are probably already aware that the insurance company isn't looking out for your best interests. Instead, they are looking for ways to limit the amount they need to pay out for your accident claim.
Here are a few things you can expect when dealing with an insurance company in Sarasota, Florida.
Following the Accident
After the accident, you have to file a report with your insurance company. The claims adjuster on your case will estimate the expected costs to repair the vehicle. They will then make an offer to settle. It is in your best interests to get as many estimates as possible. In the meantime, gather as much evidence as possible after the accident so you can substantiate your claim.
Take pictures and videos, jot down notes, obtain witness statements, and document each part of your accident, including what happened before, what happened during, and after. What was the weather like? How were the road conditions? Make sure to note everything you can in detail.
After gathering all your evidence, keep records of everything related to the accident, including all transactions and communications with the insurance company. Keep copies of your medical records, doctor recommendations, repair estimates, police reports, and anything you can show the insurance company to prove you have a claim. If you don't have sufficient evidence, they will be quick to deny you or offer a low settlement.
Watch What You Say
When discussing the accident with the insurance company, always be careful about what you say to them. They will find any reason they can to deny your claim. Communicate clearly and never admit fault. You should also refrain from making any accusations.
Instead, only provide factual statements regarding the accident and the details of the accident. Any other questions you are not sure how to answer or aren't prepared to answer should then be referred to your attorney.
Know What You're Signing
Before signing anything, make sure you review it and know exactly what you are signing. The insurance company may ask you to make statements or sign documents relating to the accident. Some of these documents may actually restrict your legal rights and prevent you from seeking the full value of compensation you deserve.
Find Legal Counsel
One of the best things you can do after an accident is to consult with a qualified personal injury attorney. Unlike the insurance company, the attorney will have your best interests in mind and will do everything they can to ensure you receive fair compensation for your damages and injuries.
Insurance companies often only offer compensation for those expenses related to your physical injuries. However, medical bills, vehicle repairs, and a loss of income should all be considered as well. When you work with an attorney, you have a better chance of accurately determining the real value of your case.
As you can see, the insurance company's only interest is keeping their money in their pocket. For this reason, they will do whatever they can to disprove and deny your claim at every turn or offer you a less than fair settlement that won't cover all your damages and injury expenses.
Don't hesitate to contact an experienced attorney today so you can combat the insurance company's tactics and ensure you receive compensation to cover all your damages and future expenses related to the accident.