When you are involved in a car accident, you are most likely going to deal with insurance companies and their adjusters at some point. It is important to remember that insurance companies are profit-seeking businesses whose sole purpose is to make money. While they may provide beneficial services to injured individuals, there is always an ulterior motive. This blog will examine five things you should never say or discuss with the insurance company.
1. Never Apologize for the Accident
After an accident, it's natural to feel guilty or apologetic for what happened, even if it wasn't your fault. However, any statement made after an accident can be used against you by insurance companies as evidence of liability or fault. Therefore, it's important not to apologize for the accident or admit any degree of fault when speaking with the other driver or an insurance adjuster.
2. Don't Agree To Make Recorded Statements
Insurance adjusters will often request recorded statements from parties involved in a car accident to gain more information about the incident and assess potential liability issues related to the case. If possible, avoid consenting to these requests, as they can be used against you later in court proceedings if necessary. The only time it is advisable to agree to a recorded statement is when advised by your attorney, who will ensure that your rights and interests are protected throughout this process.
3. Don't Disclose Your Medical History
It's important not to disclose any information about past medical conditions or treatments underway before the collision occurred, as insurers could use this as evidence of pre-existing conditions, which would reduce your claim amount significantly or hinder your ability to file a claim altogether in some cases.
4. Don't Accept Their First Offer
It's common practice for insurers to try and settle claims quickly with minimal payouts so they can save money and jettison troublesome cases quickly without having them proceed through lengthy legal proceedings - so don't accept their first offer! Instead, hold off on settling until all damages have been fully assessed so that you know exactly how much compensation is deserved for medical expenses, lost wages, and other expenses. You should also consult with an experienced car accident attorney who can negotiate directly with insurers on your behalf, ensuring that fair compensation is obtained for all losses incurred during this difficult period of time.
5. Don't Sign Anything Without Consulting With Your Attorney
Before signing anything related to the settlement process, including waivers/releases, etc., always consult with a car accident lawyer, who will review all documents carefully, ensuring that none of your rights are sacrificed throughout this process - protecting your best interests at all times!
How Perrotta, Lamb & Johnson, LLC Can Help
If you have been injured in a car accident, it's important to seek legal advice as soon as possible. Perrotta, Lamb & Johnson, LLC is an experienced personal injury law firm that can provide the assistance you need during this difficult time. From negotiating with insurance companies to taking your case to court if necessary, their team of knowledgeable attorneys will advocate for your rights and ensure that you receive fair compensation for your injuries.
If you've been involved in a car accident resulting in injury, contact Perrotta, Lamb & Johnson, LLC today at (770) 637-7603 or fill out our form online!