Many of us just pay car insurance premium every month or year and then simply forget about it, thinking we would never need to use the policy. But sadly, auto accidents are quite common on US roads and may cause harm to any one of us anytime. And once you are involved in such an incident, you eventually realize that your very own insurance company starts giving a wide berth to you. In fact, in most road accident cases, handling insurance turns out to be the most complicated part.
Usually, a few days after an accident, an insurance adjuster will soon start calling you to settle your claim as soon as possible – never let this happen! Well, this is just one of the many precautions that you should ideally take while dealing with an insurance company.
Here are 7 facts to know when dealing with insurers post an auto accident:
1. Insurance Adjuster Skilled Negotiator: Many a time, your adjuster will appear extremely nice and helpful to you, but be cautious! Always remember that their professional responsibility is to protect our work in favor of their employer i.e. the insurance company. Hence, their ultimate goal would be to minimize the amount to be paid for your personal injury claim. In fact, you will find them denying the damage claim or refusing the full value of the same.
2. Never Settle With First Offering: Unfortunately, most people want money instantly to pay their medical bills or mend their automobile. Insurance adjusters are well aware of this fact and, hence, they instantly offer a seemingly unacceptable, underrated compensation. Never accept their offer until you discuss it with your car accident attorney in Baton Rouge.
3. Anything Said Would Most Probably Work Against You: The general objective of an adjuster is to come up with their own version of the incident (obviously with the aim to minimize the amount to be paid to you) for you to agree with. Avoid giving any recorded statements unless you're in the presence of your auto accident attorney in Baton Rouge.
4. Insurer Always Reluctant To Pay for Your Medical Expenses: This runs parallelly with the adjuster's attempt to pay the minimum possible amount. Do not be surprised if you find them claiming you are lying about your injury or that the cause is not the accident. Do not let yourself be influenced by such arguments. Instead, call your personal injury attorney in Baton Rouge, LA.
5. If You Don't Accept Their First Offer, They'll Ignore You: If you don't accept the first offer, your insurer is more likely to ignore you, assuming you would eventually quit your claim or the statute of limitations would expire (typically 2 years).
6. Never Sign Anything in Absence of Your Accident Attorney in Baton Rouge, LA: A few documents or forms that your insurer would want you to sign may include something that you may not understand. Remember that signing such documents could mean anything, from accepting an offer that you didn't want to lose your specific rights.
7. Insurers Need Not Treat You Legitimately: In case the pretty obvious that their insurer will try their best either to reject the claim altogether or delay the payment.
No matter whether your auto accident case is settled outside the court or goes to trial, you should always hire a seasoned accident attorney in Baton Rouge, LA to handle the same.
Comments
Post a Comment