Being in an accident can be a traumatic experience. This can lead to unclear
judgement and people making mistakes when it comes to dealing with their
insurance companies. If you are involved in an accident, be sure to avoid
these top 10 mistakes people make as they could cost you a lot more than
Using Only an Adjuster and Not Contacting a Lawyer When Settling the Case
Not consulting a lawyer after an accident is one of the biggest mistakes
you can make. Insurance companies are infamous for protecting you to a
minimum standard when you can be entitled to much more than you think.
Contacting a lawyer is the best way to ensure you receive full compensation
for what you deserve when in an accident.
Not Reporting the Accident Right Away
Every insurance company requires you to report an accident whether it was
big or small. Failure to do so can have some serious negative implications
and penalties. For example, if the other driver involved in a car accident
files a claim with their insurance company after the incident and you
do not, your insurance company could deny protections to you. Always be
sure to file a claim right away when an accident happens to avoid any
penalties such as that.
Delaying Medial Treatment When Injured
If injured in an accident, be sure to get medical treatment right away
even if your insurance company doesn’t recommend it. Failure to
do so could end up with you losing a lawsuit if filed since you can be
questioned on the severity of the injuries you had received.
Giving the Insurance Company a “Recorded Statement”
Insurance representatives are known for manipulating your words in recorded
statements. This could severely hurt your chances to receive the compensation
you deserve. These statements can be used in lawsuits so be sure to stay
away from giving “recorded statements”.
Seeing Only the Insurance Companies Doctor
Seeing your personal doctor after an accident is allowed even if you might
not think so. Insurance companies will make it seem like you can only
see the doctors they provide but this isn’t the case. These doctors
are payed by the insurance companies and have their best interests in
mind when treating you. Always use the doctor you trust most when in an accident.
Lying About the Accident
Lying when involved with an accident is one of the worst things that you
could do. This could destroy your case completely so no matter who you
are talking to about your accident be sure to provide the full story truthfully.
Not Getting Enough Evidence at an Accident Scene
Be sure to take pictures and videos of all the cars involved in an accident
as this is the best way for you to provide evidence. A lack of evidence
can lead to you receiving less compensation than you really deserve so
be sure to take a comfortable amount of pictures and videos.
Accepting the First Offer Given
Most people when offered a settlement think that it’d be best to
just accept the first offer that is given. This is a mistake as you can
be put in a bad position if it does not cover all the costs associated
with the accident. Be sure to not accept the first offer given unless
research has been done and you are comfortable with the amount.
Not Attaining a Police Report
Police reports at accident scenes can be used for witness statements or
observations that can be used in your favor. Always ask for a Traffic
Collision Report to be filled out as this could be very valuable down
the road for you.
Not Disclosing Previous Injuries and Accidents
Withholding information on an injury or accident could deny you compensation
when a claim is filed. In order to avoid this, be sure to disclose previous
injuries or accidents even if you might not think you need to.