When people hear “car insurance” they automatically assume that they are always looking out for you and going to do the best for you.
Although they will definitely aid you and try to make life easier for you, the car insurance isn’t actually trying to help you to their full extent. Remember that in the end, car insurance companies are COMPANIES and they want to make a profit in the end. If they have to cut corners or if they can avoid paying too much, they will do so.
However, it is still important to keep appropriate communication and updates to your car insurance company through an accident. Here is what you should do and what you should not do when talking to your car insurance company.
5 Things To Do With Your Car Insurance
- Call your car insurance and tell them about your accident. Give your insurance company the full details of the accident. Do not try to lie or beat around the bush. Although some of the details can be embarrassing or just sound outright stupid to you, not telling your insurance company the whole truth can deny you coverage or invalidate your policy.
- Read and understand the policy. Not knowing your own coverage can actually be the biggest vice. By not understanding the policy you are actually putting yourself in a negative position because there is a possibility that your car insurance might not cover some things. By not knowing what they do and don’t cover you are basically running in the dark and hoping that someone is going to help you eventually. Always know what your car insurance company covers.
- Take pictures of any accident. This is something that our team at Accident Lawyers MIA preaches heavily. Taking pictures for evidence of the entire accident such as damages to your car, the other person’s car, the actual road where it happened, etc. These are all important pictures to take.
- Keep track of everything in relation and connection to the time you spent on getting your financial compensation for the accident. This means keeping notes and writing down what you spoke about with your insurance agent and what they said as well. Keeping track of all your expenses through the time spent on pursuing your case is imperative too. This will all be useful when the final settlement is agreed upon.
- Consult a personal injury lawyer. Although this sounds like an outright and shameless plug for us, it is actually extremely useful. Car insurance agents will try to find loopholes to pay you less. Personal injury lawyers know this and can be your consultant and guide throughout the whole process of getting your money back.
5 Things To Not Do With Your Car Insurance
- Unless you are fully aware of your coverage, do not give written or recorded statements to your insurance. If you are unaware of what you are covered by, this can result in a significantly lower settlement or possibly even no coverage.
- Don’t accept any settlements unless you it satisfies what you need. Lots of people already go through financially tough times after an accident and just want any kind of money to cover their damages. However, they don’t realize that the insurance companies are really trying to pay the minimum. In lots of cases, the insurance company will offer a low settlement fee which will cover the bare minimum. This is why it is important to know what you are entitled to after an accident.
- Do not sign any agreements or waivers that require your signature. An insurance company will try to get you to settle for less. Before settling, receiving legal advice from a personal injury lawyer and knowing what you are ACTUALLY entitled to is a better option. Personal injury lawyers can help you with the fine print and help you through the process of getting your financial compensation.
- Don’t drag out this case and take your sweet time. Insurance policies usually have a time limit, or a statute of limitations. By not abiding to this time limit and filing a claim too late, you may lose out on your financial compensation and your right to sue as well.
- Don’t accept the estimates or appraisals provided by your insurance. These preliminary settlements and prices are always too low and may provide coverage, but it is always missing a big chunk of coverage that you deserve for the damages. If you are unsure if the estimate or appraisal they provided is accurate, consulting a personal injury lawyer and getting legal advice may clear up the fog.
Contacting a Personal Injury Lawyer From Accident Lawyers MIA
With a strong team that has been working on cases for decades and won hundreds of cases, we are ready to serve you and help you get the financial compensation that you deserve for the losses you suffered from a car accident caused by someone else’s negligent driving.
Don’t be a victim and pay everything out of pocket.
Stacking up mentally hard times with financially hard times can take a toll on your life.
From something as common as a car accident or even as complicated as slip and fall accidents, our team has done it all. Give us a call. We start with a FREE consultation for you to gather details and facts about the case so that we can see what we are working with. From there you can take a step back and let my team handle the complications.
