This article aims to help consumers communicate with their car insurance companies in regards to an accident. If you are unsure of how to handle your insurance claim following a car accident, call an attorney for help. The accident lawyers of the Coye Law Firm know tactics that insurance companies use to deny or undervalue a claim. We may be able to communicate on your behalf and let you know your rights when talking to the insurance carrier.
Reporting a Car AccidentYour car insurance policy should state how long you have to report a car accident once it happens. Sometimes, you may only have 30 days to file a car accident claim with an insurance company.
Typically, you can call the insurance company to file a claim. The person you speak with will ask the facts of the accident: how it occurred, where it occurred, your injuries, and if you received any treatment. Answer the question completely, but you don't have to offer any additional information besides what they are asking about.
At-fault Driver's Insurance CompanyIf you were not at fault in your car accident, the other driver's insurance company may try to "speed up" the claim by contacting you directly. Keep in mind that their idea of "speeding up" a claim may be to settle quickly and at the lowest amount possible.
Do not talk to the at-fault driver's insurance company. They may try to send you documents to sign or even a check to settle your claim. Do not sign anything. Do not cash the check. If the at-fault driver's insurance company contacts you, call a lawyer. You might feel stuck in this situation, and a car accident lawyer can help you get out of it.
Recorded StatementsDuring a car insurance claim, you may have to give a recorded statement to the adjustor. This helps them sort out the details of the claim and how it has affected your life. The recorded statement is actually recorded on tape and made into a transcript.
The recorded statement is conducted by the insurance company from which you are requesting personal injury protection benefits. In Florida, that is the driver's own insurance company because the state has a no-fault insurance system. These are usually done over the phone, and your case manager can be on the call with you to make sure everything goes smoothly.
The recorded statement is a series of questions that the insurance adjustor asks you about your car accident. Be honest and answer the questions they ask, but don't give them additional information. Although the adjustor may be from your own insurance company, they may try to deny or minimize your claim by using your statements if they are inconsistent or exaggerated.
Talking to the Insurance Company
Anything you say to an insurance adjustor can be used in your claim, whether it's good or bad. If an insurance company is trying to deny your claim, they may try to use loopholes to avoid covering you for some damages you may be entitled to. Giving the insurance adjustor more information than they ask for can be a slippery slope towards giving them grounds to deny your claim, so pay attention to each word you say to them.
Your best bet for getting the benefits you need is to be honest in your statements, thorough in your description of your injuries, and concise when discussing the incident with the insurance company. If you find that resolving your claim is too much to handle on your own,contact a lawyer at the Coye Law Firm . We routinely handle insurance claims and insurance disputes, and our attorneys want to help you. Contact us today.