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Your Car Accident and the Insurance Company

Your Car Accident and the Insurance Company

Car accidents are upsetting, disruptive, and difficult to endure – especially if you have been injured as a result of another motorist’s negligence. After the accident and the medical attention, however, comes the insurance company, which adds an additional layer of complexity to the ordeal. Knowing a bit more about how to deal with the insurance company can help you move forward with the purpose and confidence you need during this challenging process.

The Negligent Driver’s Insurance Representative

Another driver has left your car damaged and you injured, and now you have to contend with that driver’s insurance company. It can feel like adding insult to injury. Your best path forward is to consult with a knowledgeable Central Texas personal injury attorney as soon after the accident as possible.

If you speak to an insurance representative before you obtain legal counsel, remember that, after an accident, you may be inclined to excitedly rehash everything that happened. This is not, however, in your best interest.

Provide the insurance rep with the basics – including your name, address, phone number, driver’s license number, and other administrative details. Beyond that, explain that the accident remains under investigation and that you will be happy to discuss it further once you have legal representation. The fact is that insurance adjusters are skilled at obtaining statements that can be used against drivers later in the process; do not provide the adjuster you speak to with this opportunity.

Do Not Discuss Your Injuries

Even if you do not think you were injured in the accident, do not share this with the insurance rep. Injuries caused by the impact of a car accident can develop and/or worsen over time, and you do not want to lock yourself into a statement about your health before you are certain of the accident’s injurious effects.

Do Not Provide the Insurance Company with a Recorded Statement

You are not required to provide a recorded statement to the insurance adjuster, and you are well advised not to do so. Even saying that you are "fine" – in a general sense – can be misconstrued later to mean that you admitted to not being injured. Do not play this game; allow your personal injury attorney to deal with the insurance company on your behalf.

Do Not Accept an Early Settlement Offer

Beware an early settlement offer. The insurance company is likely attempting to close your claim while you are at your most vulnerable and before you recognize the full extent of your damages. Until your personal injury lawyer signs off on it, do not accept a settlement offer.

If You Have Been Injured in a Car Accident, You Need an Experienced Central Texas Personal Injury Attorney

If another driver leaves you injured, Brett Pritchard at The Law Office of Brett H. Pritchard in Central Texas is here to help. Mr. Pritchard is committed to skillfully advocating for the compensation to which you are entitled. For more information, please contact or call us at 254-501-4040 today.
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