After an auto accident, it’s likely that you will have plenty of questions. You could be wondering what your insurance pays for, how they will assess damage and whether your premiums will go up or not. If it’s any consolation, you are not alone. Many people who are involved in an accident, especially for the first time, are often in the same position as you.
After all is said and done, one thing remains constant: insurance companies are in it for business. Meaning, they will do everything they can to protect their bottom line. That’s why it’s not uncommon for them to offer an unfair settlement, and sometimes, refuse to pay anything altogether, claiming that you were at fault. It is for that reason that you need to consider lawyering up. Top personal injury lawyers, like those from Naqvi Law, have incredible experience and know how to deal with insurance companies and their red tapes. They are your best shot at getting the compensation that you deserve.
What does the insurance cover?
Note that the amount of cover varies depending on the policy, so you’ll need to look at your plan to know the amount of coverage you have for your case. If your accident is as a result of someone else’s negligence, and the liable party is uninsured, you could still get an uninsured motorist coverage. Your car insurance policy should cover for the injuries and damages sustained after the accident.
In this article, we will highlight the things that you should never mention to the insurance company after an auto accident to help protect your interest.
Don’t admit fault
While you may have to give an account of what transpired during the accident, you should never give an opinion as to who caused the crash. As stated earlier, insurance companies are in it for business. They will try to use anything you say against you.
Don’t say you are uninjured
Not all injuries are physical, and not all of them show up immediately. If you state that you are uninjured, the insurance company will hold on to that fact and refuse to compensate you later on when the injury becomes evident.
Don’t make statements after the accident
After the accident, you are likely to be shocked, confused, overwhelmed, and unsteady. You are not in the right state to issue a statement, so it’s best to wait until you calm down.
Do not issue any recorded or official statement
Insurance adjusters will be on your case as soon as they learn about it. However, you should not give any recorded statement, until you get professional guidance from a car accident lawyer.
Don’t be in a hurry to accept a settlement
Insurance companies do not have your best interest at heart. They may pretend to care, but their settlements are often low-ball. If you do not have a personal injury attorney by your side, you should not accept any offer.
Do not give the adjuster access to your medical records
You should not grant the insurance adjuster permission to access your medical records, because they may look at your pre-existing conditions use that as the reason to deny your claim.