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How to Handle Insurance Companies After a Car Accident

How to Handle Insurance Companies After a Car Accident

Car accident survivors frequently encounter challenges when filing legitimate insurance claims. These challenges may arise due to insurance company delays, denials, or undervaluation of claims. You might face hurdles in obtaining the financial support you need to recover from the accident’s physical, emotional, and financial impacts. Knowing how to handle insurance companies after accidents can put you in a better position for negotiating.

What Should I Do Immediately After a Car Accident?

After a car accident, prioritize your safety and the safety of others involved. If possible, move to a safe location and check for injuries; call emergency services and report the accident to law enforcement.

Exchange contact and insurance information with the other parties involved and gather evidence, such as photos of the scene and witness statements. Notify your insurance company of the accident as soon as possible, even if you were not at fault.

How Do I File an Insurance Claim?

To file an insurance claim, contact your insurance company and provide them with all relevant information about the accident, including details of the other parties involved, the extent of damages to your vehicle, and any injuries sustained.

Your insurance company will assign a claims adjuster to investigate the accident and assess the damages. Be honest and cooperative during the claims process, but avoid admitting fault or making statements that could jeopardize your claim.

What Should I Avoid Doing When Dealing With Insurance Companies?

When dealing with insurance companies, it is important to avoid certain actions that could potentially harm your claim:

  • Admitting Fault: Avoid admitting fault or making statements that could be interpreted as an admission of liability. Stick to the facts of the accident and refrain from speculating who was to blame.
  • Accepting Early Settlement Offers: Avoid accepting early settlement offers from insurance companies without consulting a lawyer. These offers may not fully compensate you for your damages, and once accepted, you may forfeit your right to pursue further compensation.
  • Providing Recorded Statements: Exercise caution when providing statements to insurance adjusters. These statements can be used against you during the claims process, so it’s advisable to consult with a lawyer first.

What Should I Do If the Insurance Company Denies My Claim?

Stay calm if your insurance claim is denied because you can appeal the decision and seek legal assistance if necessary. Review the denial letter carefully to understand the reasons and gather additional evidence supporting your claim.

How Can a Car Accident Lawyer Help With Insurance Claims?

A car accident lawyer can provide invaluable assistance with insurance claims by:

  • Negotiating With Insurance Companies: Lawyers can negotiate with insurance adjusters to ensure you receive fair compensation for your damages.
  • Reviewing Insurance Policies: Lawyers can review your insurance policies to determine the extent of coverage available and identify potential sources of compensation.
  • Appealing Denied Claims: If your insurance claim is denied, lawyers can appeal the decision and advocate for your rights through legal proceedings.
  • Handling Legal Documentation: Lawyers can handle all legal documentation and paperwork related to your insurance claim for compliance with deadlines and procedural requirements.

Our Essex County Car Accident Lawyers at Goldstein & Goldstein Can Guide You Through the Insurance Claims Process After a Car Accident

It is common for claimants to face challenges with insurance companies, but our skilled Essex County car accident lawyers at Goldstein & Goldstein can help. Our experienced team is dedicated to advocating for the rights of car accident survivors. For a free consultation, call 973-675-8277 or submit our online form. Located in East Orange, New Jersey, we serve clients in the surrounding areas.