When a car accident takes place, there can be a variety of different matters that need to be settled. This is especially so if there are any injuries. During this time, dealing with an insurance company to recover compensation can prove to be difficult. Continue reading below to learn more about what you should know at this time.
Insurance Adjusters Are Trained to Negotiate
The job of an insurance adjuster is to negotiate the amount of money they end up paying out in claims. They want to pay out as little as possible, which is directly against what you need. It is because of this that they will often deny a claim or not recognize its full value.
Do Not Accept the First Settlement Offer
The first settlement offer that an insurance company gives is often unfair, as they will try to take advantage of victims that need money as soon as possible. It is important to not take this offer right away, as it can short you in the long run. Instead, fight for the compensation you deserve.
They Will Try to Avoid Paying Medical Expenses
Insurance companies often fight paying for medical expenses after an accident, claiming that you are lying about your injuries or committing fraud. In order to avoid this, keep thorough documentation from all doctor’s visits.
You do Not Have to Take Your Car to Their Recommended Body Shop
Insurance companies usually recommend a body shop to repair your car. It is important to know you are not required to go there. You can choose your own shop. When you do, bring the insurance company’s repair estimate for comparison.
You Have the Right to Appeal the Insurance Company’s Offer When it Totals Your Vehicle
When a car’s repair costs 70% or more of its value, the insurance company may “total” the vehicle. If they do, they are required to pay you for the car’s fair market value. Make sure you ask to see the cars yours was compared to so you can be sure the price is fair. If it is not, you can appeal.
Do Not Listen to Any Threats
There are cases in which an insurance company may use extortion techniques to get out of paying a claim. This may be if they pay a claim for a policyholder and send you a collections letter, asking you to pay it or lose your license. Be sure to contact an attorney in these situations to know your rights.
Never Sign Anything Without a Lawyer’s Reviewal
During this time, anything you say to the insurance company can be used against you and your claim. That is why you should never give a statement or sign any documents without speaking to an attorney first.
Contact our Firm
Our firm understands how serious criminal and personal injury cases are. We are prepared to guide you towards a favorable outcome because we believe false accusations or preventable injuries should never cause a person harm. This is why those who require experienced legal counsel in New Jersey should do themselves a favor and contact The Law Office of Andrew S. Maze today for any criminal and personal injury matters.