Being involved in a vehicle accident is an overwhelming experience for anyone, but things can be even more complicated when you realize that you have to navigate your own insurance company as well as the insurance company for the other driver. You do need to make your own car insurance company aware of the accident as soon as possible, but it can be a big mistake to provide too much information either to your own company or to the other party’s company.
You may be under the impression that both insurance companies are just looking to evaluate the situation and determine fault. However, it could be a mistake to provide too much information to the other car insurance company. Furthermore, it can be extremely frustrating if you are already coping with the financial and medical impacts of an accident when the other car insurance company refuses to work with you or attempts to offer you a lowball settlement offer.
While your own insurance company should, at a bare minimum, investigate the accident itself, they do not have your best interest in mind. This is even more accurate for the other insurance company who is interested in finding any reason to deny the claim. It is imperative that you hire an attorney who has extensive experience of working with insurance companies. As an accident victim, you have enough to worry about after being involved in a crash involving a truck, motorcycle, car or another vehicle. You need to be able to attend your medical appointments and focus on recovery, not worrying about the other insurance company.
Remember that the insurance company has much more experience handling car accident cases than you do and you should not rely on them to tell you what to do. Signing a release too early into the process or accepting a settlement offer off the bat in order to have the cash on hand could be a major mistake as it could minimize the extent of your injuries. Finding an attorney who will navigate the insurance company with you so that you can focus on recovery allows you to heal appropriately and know that someone is advocating for your best interests. Do not hesitate to get help and refer any communications from the insurance company directly to your lawyer.