Six Tips for Dealing with Insurers after a Car Accident
You’re driving to work, school, or out running errands when the unexpected happens. A sudden car crash or collision wrecks your vehicle and leaves you suffering potentially serious injuries. Unfortunately, dealing with insurance companies in the aftermath of a car accident can be notoriously challenging. The following are tips to follow to help you through the process.
Tips for Filing a Car Accident Claim
The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) requires all drivers to have car insurance to protect them against car accidents and injuries. Depending on the type of insurance you have and the amount in place, this can help prevent you from having to pay out of pocket for the damages you suffer. However, when dealing with these companies and filing a claim, it is important to keep the following in mind:
- Remember that the insurance company is a business.
While your insurer may portray themselves as ‘friends’ who are there to provide help when you need it most, remember that you are dealing with a for-profit company. As such, their bottom line is profits. There are two main ways in which these companies make money: by increasing premiums and by reducing the amount paid out in claims. Be aware that they will likely use any reason they can find to either deny your claim or reduce the amount you are entitled to.
- Make sure you have all necessary information.
To protect yourself, make sure you have all pertinent information when filing your claim. This includes copies of police reports, the names of other drivers involved, and copies of your medical records.
- Document everything.
In the aftermath of your collision, you may spend considerable amounts in out of pocket expenses. Documents these costs carefully, keeping detailed records. Keep all receipts for medical care and lost wages, along with notes regarding communications with the insurer or their representatives.
- Review your coverages.
Carefully review your insurance policy documents, going over any existing coverages you have in place. This can help ensure you take advantage of all potential benefits.
- Think carefully before accepting a settlement.
It is common for insurers to offer an immediate settlement amount that is far less than what you deserve. Do not be pressured to resolve your claim until you understand the lasting repercussions your injuries may have.
- Consider taking your case to court.
Be aware that you may be able to claim additional compensation for your car accident by filing a personal injury lawsuit against the at fault driver involved. Consult with our Bradenton car accident attorney to discuss whether this is an option in your case.
Let Us Help You Today
The Law Office of Steven G. Lavely can help you get the maximum amount of compensation you need to recover from your injuries. Contact our Bradenton car accident attorney and request a consultation today.