Talking to Your Attorney and the Insurance Company After Your Accident
After your accident takes place, you’ll be talking to more people than just your physician at the hospital where you seek medical treatment. You’ll have to schedule an appointment with your attorney to talk about how to move forward with your case, as well as fight the big-name insurance company to get the compensation you deserve. Today we will discuss the do’s and don’ts of talking to the insurance company, as well as what documents you want to show your attorney at your initial consultation.
Talking to the Insurance Company
When you make your insurance claim, you are telling the insurance company that you want to receive compensation for your injuries. However, speaking to your insurance company can sometimes be difficult and stressful, especially after you have just been involved in an accident. Here are some things you want to do:
Call Your Agent and Be Honest: You want to get your claim started as soon as possible, so call your agent immediately. However, you only want to be honest, because dishonesty could invalidate your policy.
Take Photographs: When you have evidence like photographs, you will be able to show what actually happened in the accident.
Understand Your Coverage: You should review the terms of your policy before you discuss the details in depth. It’s okay to ask questions concerning what you should expect.
Document All Interactions: If you have any conversations with people involved in the accident or those working for the insurance company, you should remember them and document them in detail. This will help you resolve your disputes.
Keep Receipts: Accident costs can sometimes be huge depending on the extent of your injuries. Make sure you keep receipts relating to all of your care.
Never give insurance companies documented statements without understanding what your coverage is compromised of. Also, before you sign anything, you want to speak with your attorney. This will assure that you are getting the most out of your case.
Showing Documentation to Your Attorney
After your accident, you will also want to present information to your attorney that can help your case. Today we will focus on some of the most important documents and the role they can play in your claim:
Police Reports: When you have been involved in an accident, it is always helpful to call the police so you can receive a report on the incident. This will contain a preliminary ruling on who was at fault for the accident.
Information Exchanged: After the accident, you and the other drivers will typically exchange insurance information as well as names, addresses, driver’s license info, and phone numbers.
Statements: There may be statements made amongst the parties and police. Furthermore, it may be useful to collect records of statements given by witnesses who actually saw the accident occur, as this could be relevant in a future personal injury lawsuit.
Medical Records: Medical records show that you sought out medical treatment after your accident. It can also show the type of treatment and how much was spent, which can be helpful in compensating you further down the line.
At Edelstein Martin & Nelson, we understand personal injury law and want to help you in your time of need after you have been injured in a car accident. We also want you to be prepared for every aspect of your case. If you have been injured in an accident, act immediately and give us a call at 800-300-0909.