When should I talk to my insurance company after an accident?

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Author: Leonard Simmons

When it comes to any type of car wreck, the very best policy is to speak with an attorney before speaking with your insurance company.  Knowing your rights and understanding the damages you may be eligible to pursue as a victim can make the difference between getting what you deserve and settling for less.

It is essential to get in touch with your insurer following an accident in order to begin the claims process and get the investigation of liability underway.  However, it is never a good idea to get on the telephone while you are still in pain, panic stricken or heavily medicated.  The best course of is to contact an attorney, who will provide you with a free evaluation of the details of your case. 

Any statements you make to your insurance company will be scrutinized in an effort to reduce or even deny your claim for benefits against your policy. Do not speak to a representative in a recorded phone call without talking to an attorney first.

It can never be overstressed that insurance companies look out for themselves.  They seek to stay in business, and that means limiting and denying policy payouts at every opportunity.  The objective of any company, after all, is to keep profits high and losses low. 

Some of the advantages of seeking legal counsel before dealing with an insurance company include these:



  • An attorney can help you streamline your statements, which means help you stick to providing only factual statements about the incident.


  • A lawyer can deal with the insurance company on your behalf, after conducting an interview and gathering the facts surrounding your case.


  • An attorney can review the valuation of your vehicle and ensure that the payout for your totaled automobile is equal to the amount that you might expect for a vehicle of a similar make and model equipped with the same feature that you may have had installed in your car or truck, or on your motorcycle.


  • A lawyer can review the total damages that you have sustained including medical expenses, lost wages, pain and suffering, and property damages to ensure that the insurance company is offering you a fair settlement.


  • ·         An attorney will take your future medical needs into consideration before advising how to proceed with the insurance company’s settlement offer. He or she will also help you negotiate the terms of your settlement to ensure that you get the maximum compensation that you are entitled to receive.

What it all comes down to is this:  Following an accident, you should contact your insurance company, after you have spoken with an attorney and obtained a full understanding of your rights and eligibility for compensation in accordance with personal injury law.

Recuperating from your accident can be challenging enough without the added hassles of navigating the verbal obstacle courses presented by insurance adjusters.  If you have been in an auto accident, contact a legal advisor.  You need someone looking out for your interests. 




Want to learn more about a car wreck? Get more information: http://www.car-accident-lawyers-sd.com

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