Insurance companies are in the business of managing risk and keeping costs low so that corporate profits remain high. Major car accident claims are expensive for insurance companies which is why most insurance companies look for ways to avoid paying compensation on accident claims. Insurance adjusters are even trained on how to look for any small technicality on which they can base an insurance claim denial.
Dealing with insurance companies in the aftermath of a serious accident can be extremely difficult. Facing questions from insurance adjusters who do not have your best interests in mind is the last thing you need when dealing with painful injuries, rehabilitation, expensive medical bills, and more.
At Ellis Law, we are very familiar with the tactics used by insurance companies. Our team can help you protect your legal rights. Here are some helpful tips for dealing with car insurance companies after a North Carolina car accident.
1. Do Not Admit Fault for the Accident
Insurance companies are supposed to protect their policyholder’s interests, but are usually more concerned with their own business interests. Insurance companies are looking for an excuse to deny coverage. To help them do so, they often try to convince you to admit fault for the accident.
Their techniques for doing so are often quite clever. An insurance company adjuster will ask you leading questions specifically designed to get you to admit fault or partial fault for the accident. Speak to an attorney first before speaking with an insurance adjuster.
2. Collect as Much Information as Possible
It is important to get yourself organized following your car accident. You want to collect the evidence you need to prove your personal injury case and deal with the insurance company at the same time. You cannot rely on your insurance company to do a proper investigation. Insurance companies want to pay you less, and may not have your best interests at heart.
Gather and collect information such as:
- All property damage costs and repairs
- Medical bills, invoices, or rehabilitation costs
- Lost income while you are out of work
- Contact information for witnesses who saw the accident
- The other driver’s contact and insurance information
Your attorney will also help you investigate the crash and gather critical information.
3. Follow Up on All Medical Care
After a serious car accident, you likely suffered injuries and need medical care. Your health is the first priority, but fortunately, seeking follow up care and treatment also helps your claim against the insurance company.
Follow up care helps improve your health, but also provides critical evidence that you are mitigating your damages. If you fail to follow the doctor’s orders, the insurance company may argue that you caused much of your own harm. Not only is it important to care for yourself, refusing to follow the doctor’s orders can have a negative financial impact on your case.
4. Do Not Accept Low Settlement Offers
Insurance companies often offer a low settlement amount in the hopes that you will accept it. They often do this after a first discussion with you. The adjuster will point to alleged weaknesses in your case, but decide to offer some money anyway. Sometimes they will even mail you a check in hopes that you will cash it.
This first settlement amount is typically far below the actual value of your case. It will not fully compensate you for everything you have been through and suffered from the car accident. This is especially true if you have serious injuries that require extensive medical care and treatment. Avoid accepting a settlement offer without first speaking with a qualified attorney.
Get Help From a Qualified North Carolina Car Accident Attorney
Our experienced car accident lawyer at Ellis Law is ready to help. We know the insurance company’s tactics and how to fight back. Our team focuses on your well-being at every step of the way.
Contact us today for a free consultation of your case.
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