Each year, thousands of Tennessee drivers and passengers experience car accidents. Sometimes, these victims have luck in their pockets and emerge uninjured and with minimal property damage. Other times, victims suffer catastrophic injuries and a total loss of property. In either case, car accident victims have to deal with insurance companies eventually.
As with most things in life, there is a right way to manage discussions with insurance carriers and there is a wrong way. To help you protect your interests, we want to give you three important tips for communicating with insurance companies in the aftermath of a car accident.
Remember that the statements you make to insurance agents, others involved in the collision and witnesses could come back to haunt you. For example, if you apologize for the accident or say something that even suggests you were responsible, it may affect your ability to collect on your claim. We urge you to be honest but to use caution in the way you speak about the incident.
After you report your accident, take some time to read your insurance policy and do not overlook the fine print. It is in your best interests to understand what your policy covers and what it does not cover. Accurate knowledge about your policy will go a long way in helping you communicate with your insurance company effectively.
Finally, do not be afraid to reject the insurer’s initial estimate concerning your losses. Insurance companies are businesses concerned with protecting their own interests foremost. This means that an appraisal or estimate from your insurer might be too low.
Car accidents are traumatic in many ways, especially if you have suffered serious injuries. If you do not feel comfortable dealing with your insurer or if you wish to focus on recovery, an injury lawyer can take over the task of negotiating with insurance companies. We invite you to visit us online if you need to learn more about car accidents.