News

Home / News / Tips for Dealing with Insurance Companies

Tips for Dealing with Insurance Companies

General Practice Areas Automobile Accidents General Negligence Insurance Coverage and Bad Faith Disputes Personal Injury Trucking Accidents  

In most cases, people don’t interact with insurance companies unless they are purchasing insurance or have been in an accident. To add to the stress of being in an accident (and possibly sustaining injuries), it can be time consuming and emotionally draining to worry about obtaining a fair settlement. This is  not to say all insurance companies aren’t fair, but the completely fair ones can be few and far between. We’ve compiled some tips for dealing with insurance companies so you can be ready to deal with those calls when the time comes.

A few general tips before we get started: be the one to report your accident to your insurance company and make sure you get a copy of your insurance policy declaration page that lays out your coverage. Additionally, get a copy of the police report for reference while you’re dealing with the insurance companies. Before leaving the scene of an accident, be sure to take photos of all vehicles at the scene and the damage done. Above all, be honest and cooperative.

With that said, let’s get started.

  • Avoid giving a recorded statement.

    Insurance companies largely insist that recorded statements are routine and for a reason—those recorded statements are often used later on to minimize recovery. It’s possible that the recording won’t be used in this way, but these recorded statements rarely, if ever, help your case. They really just help the insurance company. It’s also extremely unadvisable to give your statement to the insurance company (especially someone else’s insurance company) without speaking to an attorney first or having an attorney present.
     
  • Have your doctor bill your insurance company after an accident.

    If you were hurt in an accident and received medical attention (a singular instance or ongoing treatment), insist upon your doctor sending the bill to your insurance company. Doctors and chiropractors sometimes do not want to bill your coverage and would rather wait until you settle and get paid from your settlement to have you foot the bill. This is due to the fact that many doctors and clinics have signed contracts with certain insurance companies to accept lower fees for their services and waiting until the case settles puts more money in their pockets.
     
  • Don’t settle if the settlement isn’t right.

    You have at least two years in some states (one year in some) to settle. People sometimes assume they’ll recover from their injuries quickly or think they’re not injured enough to seek compensation and so they agree to settle on a smaller compensation. However, if that injury gets worse or becomes chronic, there’s nothing that can be done after the settlement is accepted.
     
  • Limit your communication with the other driver’s insurance company.

    The only time you should talk to the other driver’s insurance company is the call you make to report the claim or confirm that a claim has been opened. Do not give a recorded statement (you’re under no obligation to do so) and then only give the date, place, and time of the accident. After that, don’t talk to them again until you’ve either completed your medical treatment for any injuries or you’ve been told by your doctor that your condition has become chronic.
     
  • You are entitled to what was billed for your medical care.

    The law dictates that you’re entitled to the reasonable value of your medical services, which means you’re entitled to what was billed rather than just what was paid or what you paid out of pocket.
     
  • If you have underinsured insurance, that doesn’t mean your rates will go up.

    You have a contractual right to payments if someone else is at fault for the accident. Especially since you paid an extra premium just to have those benefits.

 

Photo Credit: American Diversified Insurance Services

10 Common Mistakes in Personal Injury Cases

Personal injury cases are tricky—proving pain and suffering alongside whatever parts of the injury are physically visible requires an experienced attorney and a strongly built case. Even the slightest unintentional error can affect your case’s progression and overall success, which makes every conversation with another attorney or insurance adjuster crucial. Even a post carelessly made to Facebook about the accident could be the difference between a win or a loss for your case. Below, we’ve...

Read More

Trucking Accidents & Out-of-Pocket Costs

Some of the largest and most expensive accidents involve big trucks—thousands of people in the United States die annually from collisions with trucks. Regardless of the cause, the occurrence of a truck accident is enough to greatly affect the lives of those involved, financially and physically as well if there are injuries. The combination of the two escalates the ultimate cost of the accident and soon the medical bills, missed work, and more start to pile up. Out-of-pocket costs for truck...

Read More

Don’t be strong armed by an insurance company,
Put a fighter on your side and get the results you deserve.


Call Toll Free: 1-877-962-4373