After you have been in a car accident, you'll be talking to one or more insurance adjusters. When you talk to them, you'll need to know what to expect and what they will ask. If you're not prepared, you'll be more likely to have your claim denied.
While an insurance adjuster might seem friendly, he or she has the job of reducing how much his or her company is required to pay in insurance benefits. It is often like a game with you and the insurance provider as you seek compensation for your injuries while trying to avoid giving the provider an excuse to issue a denial.
Provide Minimal Details
You'll want to provide all of your personal information. This includes your full name, address, and phone number. Tell the adjuster all about the details of the accident. Explain where the accident occurred and how many vehicles were involved.
Explain the type of accident. Tell them the date the accident occurred. If there were any witnesses, include descriptions of the witnesses. Ideally, you should exchange phone numbers with any witnesses after the accident. Do not provide any other details because information you provide can end up being used to deny your claim.
Don't Detail Your Injuries
The insurance provider will want to know if you have suffered any injuries. Make sure to not provide any details yet, because if you fail to leave injuries out, this could be used against you later on.
Even if you believe that you haven't suffered any injuries, you should make sure by visiting the doctor. Then, you will find out the extent of your injuries and how much it may cost to receive long-term treatment. You'll also want to deny access to medical records because these can also be used to deny your claim.
Don't Have Your Conversation Recorded
If the insurance provider asks to record your conversation, you can choose to deny this request. Then, the insurance provider is legally prohibited from recording your conversation. However, if you feel comfortable having your conversation recorded, you should still decline because this will typically not help your case in any way.
After a car accident, if you have suffered serious injuries, it might be a good idea to contact car accident attorney services like Attorney Todd E Webb Personal Injury Attorney. Your attorney will help you craft a demand letter that will increase the chances that you will receive full compensation for your injuries.
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