If you’ve recently been involved in an accident, you probably already know that the insurance company isn’t looking out for your best interests. Instead, they are looking for ways to limit the amount they have to pay for your accident claim.
Here are some things you can expect when dealing with an insurance company in Sarasota, Florida.
Following the accident
After the accident, you must file a report with your insurance company. The claims adjuster assigned to your case will estimate the expected costs to repair the vehicle. They will then make a settlement offer. It is in your interest to get as many estimates as possible. In the meantime, gather as much evidence as you can after the accident so you can back up your claim.
Take photos and videos, jot down notes, get witness statements, and document every part of your accident, including what happened before, during, and after. What weather was it? How were the road conditions? Be sure to write down everything you can in detail.
After gathering all your evidence, keep records of everything related to the accident, including all transactions and communications with the insurance company. Keep copies of your medical records, doctor’s recommendations, repair quotes, police reports, and anything else you can show the insurance company to prove you have a claim. If you don’t have enough evidence, they’ll be quick to turn you down or offer you a low settlement.
watch what you say
When discussing the accident with the insurance company, always be careful what you tell them. They will find all possible reasons to deny your claim. Communicate clearly and never admit fault. You should also refrain from making accusations.
Instead, provide only factual statements regarding the accident and the details of the accident. Any other questions that you are unsure how to answer or are not ready to answer should then be referred to your lawyer.
Know what you are signing
Before you sign anything, make sure you review it and know exactly what you are signing. The insurance company may ask you to make statements or sign documents relating to the accident. Some of these documents may actually restrict your legal rights and prevent you from claiming the full value of the compensation you deserve.
Find a legal advisor
One of the best things you can do after an accident is to consult a qualified personal injury attorney. Unlike the insurance company, the lawyer will have your best interests in mind and will do everything they can to ensure that you receive fair compensation for your damages and injuries.
Insurance companies often only provide compensation for expenses related to your physical injuries. However, medical bills, vehicle repairs and loss of income must also be taken into account. When you work with a lawyer, you have a better chance of accurately determining the true value of your case.
As you can see, the only interest of the insurance company is to keep its money in its pocket. For this reason, they will do everything they can to refute and deny your claim at every turn or offer you a less than fair settlement that will not cover all of your injury damages and expenses.
Do not hesitate to contact an experienced lawyer today to fight against the tactics of the insurance company and ensure that you are compensated to cover all your damages and future expenses related to the accident.