I Already Talked to The Insurance Company About My Auto Accident: Am I in Trouble?

There is always a potential for anyone involved in a car accident to make a personal injury claim. You must avoid speaking with the other driver’s insurance company, especially when you are under no legal compulsion to do so. Certain situations may call for you to speak with the other insurance company. Ideally, your insurer’s adjuster or a car accident attorney, if you retain one, should speak on your behalf.

When Does It Make Sense to Speak with the Other Insurance Company?

In some cases where the other driver is clearly at fault, but they either blatantly lie or do not respond to their own insurer, you might need to step in and furnish accurate information and facts related to the accident. This is one of the rare occasions when it makes sense to talk to the other insurance company as a lack of information might cause a delay in your settlement process.

Tips to Keep in Mind When You Talk to the Insurance Company

Considering that the insurer for the responsible party is not on your side, you must be very cautious in any interaction with their insurance company representative:

Be Courteous and Remain Calm Throughout

Remain calm and level-headed despite the anger you may have about your injuries or damages from the accident. Venting your justifiable frustration and angst toward the insurance company representative may hamper your chances of securing a fair settlement.

Record and Retain the Contact Details of the Representative You Speak With

Before speaking with anyone, make it a point to gather information like their name, telephone number, the insurance company they work for, and the individual or entity the company represents.

Do Not Divulge Too Much Personal Information

Apart from your essential contact and work information, you are under no legal obligation to discuss or explain any details concerning any aspect of your life, whether personal or professional.

Avoid Discussing the Details of the Accident

Insurance company representatives or adjusters may try to involve you in discussions regarding the accident, to try and cajole a statement or opinion that they can later use against you. Be polite but firmly refuse to let them draw you into such conversations and be careful not to divulge anything except the basic and essential facts.

Do Not Be Under the False Impression That the Insurance Company Will Be Fair

You will find that the insurance companies work to minimize their own losses and do not feel any obligation to treat you fairly. They routinely deny or delay rightful and legitimate personal injury claims as a part of their everyday business.

Resist the Initial Settlement Offer

Most victims of a car accident may need immediate finances because of car repair or medical treatment bills. Insurance companies knowingly take advantage of the injured person’s vulnerability and place a low settlement offer on the negotiating table right away.

Avoid Using the Body Shop Recommended by the Insurance Company

Insurance companies generally have agreements with repair shops and these shops might cut corners to keep the costs low. You can go with the insurer’s estimates to a body shop of your choice, and get the damaged car repaired.

Stand Firm Against Any Threats

It is not far-fetched for the insurance companies to send collection notices to the other driver after paying a claim to their policyholder. If you receive a letter threatening you with the suspension of your driver’s license in case you fail to pay the debt, you must demand proof of debt in a letter sent by certified mail.

Never Sign Anything Without Your Lawyer’s Review and Consent

Make sure to have your injury lawyer review any documents for fine print so that you do not unknowingly sign away the rights to file a lawsuit or pursue additional damages.

You Need a Competent Georgia Auto Accident Lawyer After Your Car Crash

To minimize the additional stress of dealing with an insurance company after the initial shock of your car wreck, contact an experienced lawyer to handle the negotiations on your behalf.

At Stein & Fox, we have extensive experience representing deserving accident injury victims in Georgia. If you have been hurt in a car wreck that was not your fault, call us today at 770-961-1700 for a free case review with a trusted personal injury attorney.

 

Steps To Take If You Are Injured In A Parking Lot Accident

Commercial office buildings, public places, restaurants and department stores have busy parking lots with customers or visitors driving in and out throughout the day. Parking lots are inherently more dangerous for visitors who could meet with an accident even when they are being watchful and proceeding carefully. If you or someone you care about was involved in a Georgia parking lot accident, the first thing you need to do is get in touch with an experienced car accident attorney.

Here are a few other important steps you should take following a parking lot accident:

Get Medical Attention

The first goal after any type of accident should be to ensure the health and safety of everyone involved. Parking lot accidents usually occur at low-speeds causing the average person to assume that injuries would be less severe. Based on this, the smallest of bumps can cause a whiplash. Even though you may be angry and emotional following a parking lot accident, you should remember to call for medical attention.

You should also move your vehicle to a safer place since most parking lots have vehicles and pedestrians moving up and down. Leaving your vehicle in the way of other cars may cause further mishaps.

Call the Police

In Georgia, calling the police following a crash is standard practice, especially where someone is injured or there is damage to property. Experienced attorneys, ones that have been through the legal battlefields before and came out shining on the other side, always recommend calling the police following a crash for a wide array of reasons.

The police will document your injuries and damages. They will create an official report that documents the time and place of the accident. The police report may also include witness statements. All this information can be useful during a potential personal injury claim.

Obtain the Other Driver’s Contact Information

You should exchange contact information with the other driver, including:

  • Name of the driver and other occupants
  • License number
  • Address
  • Phone number
  • Insurance information
  • License plate number

You may also want to seek out witnesses in addition to getting the other party’s personal information. Witnesses can provide valuable testimony corroborating your side of the story.

Take Photos of the Crash Scene

You should take as many photographs on your phone as you can. Photos and videos are helpful in corroborating both witness and your account of the accident. You should grab the following photos:

  • Property damage
  • Scratches and other car damage
  • Skid marks
  • Weather condition
  • Anything else relevant to the accident

Let Your Insurance Company Know

You need to call your insurance company following an accident even if it is a minor accident. The insurance company may deny the claim if you don’t inform them immediately. It also helps towards establishing your case. Documenting the injuries and damages early can help in the long run. This is especially true if you are considering hiring an attorney and filing a claim.

Pertaining to this, you should not be proactive about divulging information. You should let your attorney handle any further communications with the insurance provider.

Talk to a Skilled and Knowledgeable Car Accident Attorney – Book Your Free Consultation Today

If you or someone you love is the victim of a Georgia parking lot accident, the attorneys at Stein & Fox can help you protect your financial interests and defend your rights. Schedule a free and confidential consultation today with our knowledgeable and resourceful attorneys to learn more about how we can help you recover maximum compensation while you focus on healing.