Aaron & Aaron, Attorneys at Law
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Be careful of insurance companies after a car crash

If you find yourself in a car accident, an insurance claim will probably be one of your main concerns after you get any needed medical attention. After all, you are probably facing medical and car repair bills now. However, you need to be wary of any interactions with an insurance company.

Insurers want to pay you as little as possible for your claim, so they have many tactics to delay your claim or give you less than you need. Here are a few tips on how to handle the post-accident process:

1. Never discuss your injuries with an insurer.

Even minor crashes can cause serious damage to your body. In the heat of the moment, you may not notice you are hurt, but some injuries from crashes do not surface until a couple days later. You should not talk with your insurance company about your injuries, but you especially should not tell them you are unharmed. You do not know that for a certainty.

Insurers might ask about injuries in subtle ways, such as "How are you feeling today?" Keep answers simple and do not go into unnecessary detail. If they ask about your injuries, tell them you are seeing a doctor about it and there's nothing else to discuss about it at the time.

2. Do not sign or consent to anything without an attorney.

Many insurers will ask you to sign a release form. This can prevent you from seeking the proper compensation if you accept a settlement that turns out to fall short of your costs. Consult an attorney about your situation before signing anything from them.

Avoid being recorded if you can. Your insurance company may have a right to record conversations with you, but the other driver's insurer does not have that right. If the other driver's company contacts you, do not consent to a recorded conversation. They could use information from it as evidence against you.

3. Do not accept an offer until you know what you deserve.

Because injuries can be slow to show up and it can be hard to predict how long you will need treatment, you should never accept an offer right away. Your situation may be difficult or desperate, but it will do no good to take a settlement that does not cover your medical bills when you deserve full coverage. Instead, visit a doctor and schedule a free consultation with a personal injury attorney to talk about your situation.

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