What You Should Know About Dealing With Auto Insurance

We purchase auto insurance for several reasons: To help pay our bills if we ever get into an auto accident, because the law requires us to have insurance, and to have a safety net in place should anything happen to us, just to name a few. Many of us believe that if we do get into a car accident, our insurance will be there to help pay any damages or medical bills that may arise after the accident. But that’s not necessarily the case.

Let’s say you get into a car accident, damaging your vehicle and sending you to the hospital. After your injuries are healed and the damage has been repaired, you believe now is the time when your insurance company will hand you a check. But not so fast. In fact, the process is more complex than you think. First, you’ll have to deal with an insurance adjuster who will do anything he/she can to save his company money. The adjuster will try to have you sign papers or record a statement about your accident. Whatever you do, don’t do it without your lawyer present. These tactics can be used against you if you ever decide to pursue legal action.

Remember that the insurance company is not so willing to part with its money to pay for your accident. It will try to give you a lowball number, knowing that you may not understand the insurance game. This is the reason why you need an experienced personal lawyer by your side after a car accident.

Think we’re exaggerating? Think again. Here are some of the tactics insurance companies can use to prevent you from getting the compensation you deserve:

• Asking for a recorded or written statement about your accident. Everything you say to an adjuster can be taken out of context and used against you.
• Telling you that you don’t need a lawyer. If you were injured in a car accident, even if it’s your fault, contact a lawyer.
• Offering a quick settlement. This is usually the lowest number the insurance company is willing to pay for your accident. No matter what you think, your accident case is worth much more.
• Bullying you into signing a statement. No matter what, let them know you have a lawyer and these tactics will not work.

Before dealing with the insurance company after an auto accident, make sure you get a good accident attorney by your side. For more than 26 years, the Law Offices of Anthony Carbone has been dealing with insurance companies for our clients and we always get them what they deserve. Contact us now for a free consultation. For more insurance tactics that can cost you money, click here.