If you have experienced an auto injury, you might be facing both a long, painful recovery and forced time off work. With medical bills and other expenses piling up, you may be anxious to file a claim with the insurance company so you can get your life back on track.
Unfortunately, insurance companies are often primarily interested in their own bottom line. While agents may seem friendly, adjusters are often on the lookout for any information they can use to downplay or even deny your claim.
1. Recording your injuries is essential
Even if you do not need immediate emergency care, it is important to receive a full medical evaluation soon after an auto accident. Without an official record of how and when your injuries occurred, the insurance company might argue that the car accident was not the cause.
2. You can wait to give a statement to an agent
An agent may try to get you to make an official statement before you have recovered from your initial shock. Before giving a statement, make sure you have had the chance to consider the facts of the incident carefully.
3. A fast settlement may be a ploy
If an adjuster offers you a fast settlement, that may be a sign that the insurance company knows your claim could be worth much more.
Auto collision injuries often involve both obvious and hidden damage to the body. You and your health care providers may not know the full extent of your injuries until weeks or even months after the incident. Before accepting an insurance settlement, make sure you, your family and your doctor have been able to assess the impact of the accident on both your current and future health as well as your ability to return to work.