If you're involved in a motor vehicle accident due to the fault of another driver, you can file for damages to have their insurer pay for your damages, including treatment bills, car repair and lost earnings. Nevertheless, conversations with the insurance company representatives ought to be strategic. You might ask how? This article highlights what you should refrain from saying to the insurance agents.
I'm at fault
Never admit fault for the mishap when speaking to the insurance agents. When asked about the accident, avoid adding your personal views when describing the events leading to the mishap. Basically, stick to the facts. Several factors may be to blame for the accident, including defective car parts, a distracted motorist or a traffic sign that's difficult to see. Whether or not you are at fault, the other motorist may also have a contributory role in the accident and thus also be at fault. Therefore, don't admit fault in front of the other motorist, the police or the insurance agents, as these declarations can be used against you.
I am not injured
You are probably aware that some injuries are not readily obvious especially after an accident. For example, you may not be aware you're suffering from a brain injury or internal bleeding. These types of injuries may take some time before they show. Imagine admitting to the insurance company that you're not injured after the accident only to experience serious pain after a few days. The important thing is to seek for comprehensive treatment to ascertain the true extent of your injuries. Do not append your signature on any release form from the insurer until you receive guidance from your lawyer.
Bear in mind that you and the insurance agents have contrasting objectives. Basically, the insurer seeks to close the case as soon as possible by offering you the lowest amount possible while your goal is to receive the highest amount possible for your claim. Many initial compensation offers from insurers are low ball deals. You can imagine you've accepted their first-time offer only to be compounded by mounting medical bills that dwarf the amount you initially accepted. Talk to your motor vehicle accident lawyer just before filing a claim and before accepting any settlements so that the lawyer can advocate for a better settlement for you. Your lawyer will take into account your present and future damages in negotiating the true worth of your claim.