How to Deal with The Other Guy’s Insurance Company After an Auto Accident
It’s scary when you get into an accident but what is even more intimidating is getting a call from the other part’s insurance adjuster. If you have ever been in this situation, you know that sometimes, you don’t know how to respond in such situations. Most of the times the company contacts you so that they can file a case against you. This article will discuss some important information about how you are supposed to deal with the other person’s insurance company after you meet an auto accident.
Get a Lawyer
The first thing that you need to do is get a lawyer so that you can have a legal representative who will help you deal with the stressful situation. Unless you were hit from the back, chances are that the adjuster is seeking some kind of compensation. It will seem that they are trying to sort out the facts, but in actuality, they are building a case against you. Don’t say anything in the absence of your lawyer, because they know what you are supposed to say and what you are not supposed to say.
Do Not Admit Fault
Sometimes accidents have a psychological impact on you that causes. It is important that you maintain the stance that the other driver was at fault and that it was not your fault. In some states, if you are even partly responsible for the accident, you will be barred from getting the claim. Make sure that you point out the factors that work in your favor.
If You Were Hurt, Say It Out loud
Sometimes we discover injuries a few days later and adjusters use this to their advantage by saying that you weren’t hurt in the first place. Do not start the conversation with the adjuster where you only mention your injuries because that will only weaken your case. Leave out the severity of the injuries and inform the adjuster later on.
Keep Things Simple
You don’t need to go into too much detail about the accident. Just let them know everything so that they can assess the damage that has been done to the vehicle. If you feel that the adjuster is pressurizing you too much, just redirect them to the police report.
Don’t Sign Anything
Do not sign any document that would give the insurance company a right to access your medical records. Similarly, don’t give recorded statements because the company might try to find out flaws and use it against you.
Don’t Let the Adjuster Rush You into Things
Make sure that you are not intimidated by the adjuster because they will try to settle things for a low value. You don’t have to accept the first appraisal that comes your way. If you have any questions, it may be a good idea to get in touch with your lawyer.