Immediately following an accident, you must take steps to protect your legal rights. Regrettably, many individuals engage in some of the most frequent errors that hinder their ability to obtain the total compensation they are entitled to. In actuality, insurance adjusters frequently search for errors on your part to reduce or deny your claim.
Claiming compensation is of the utmost importance if you sustain injuries as a result of the actions of another party. Consequently, being aware of specific errors encountered during the procedure is prudent.
- Consultation with Insurance Companies Independently
Adjusters employed by insurance companies will attempt to minimize the compensation you are entitled to. They maintain a friendly conduct when discussing your claim because they desire your confidence that they will act ethically. Sadly, it is merely a pretense. Their primary emphasis lies in safeguarding the financial interests of insurance companies, as opposed to upholding your rights.
When you speak with insurance adjusters alone, they will exploit your rights for any reason. To protect one’s legal rights, it is generally advisable to consult with an attorney first. An attorney can assist you in navigating the procedure.
- Expressing Regret for the Accident
Expressing sympathy towards the other driver involved in the automobile accident is not inappropriate. Despite this, you should exercise caution regarding your speech. The opposing motorist may forward your statement to their insurance company or legal department if you begin to apologize for the collision—your apology could be interpreted as an admission of guilt.
While not apologetic, one may express empathy. But for caution, you should concentrate on the essential information. In civil proceedings, in particular, always remember that what you say could be used against you.
- Failure to Report the Crash After Leaving the Scene
You may be obligated to report your collision to local law enforcement, although you should consult an attorney before contacting the insurance company. Please be aware that specific regulations may mandate you to contact law enforcement if you, the other motorist, or any passengers sustained injuries during the collision. Additionally, substantial property damage suffered by either yourself or the other driver should be reported.
Failure to disclose an accident can have detrimental consequences, including potential criminal charges and a tarnished reputation for your claim. Contact your attorney immediately to initiate the insurance claim process, and contact local law enforcement whenever necessary.
- Missing Of Critical Information
When colliding with another motorist, you must exchange relevant information. To initiate your claim, you must simultaneously ensure the other motorist provides the same information. It can be challenging to begin the claims-filing procedure or hold the appropriate individual accountable for their actions without the proper information.
The following information should be shared with the other driver:
- A second party valid driver’s license. Bear in mind that, in essence, a license grants a duty of care. A driver with a valid permit must observe traffic regulations and prioritize the protection of all individuals.
- The insurance details of the other driver. Your legal team can more effectively hold the negligent driver accountable if they have access to their insurance information, which is crucial if you intend to pursue compensation from them.
- Photographs documenting the accident site, damage, and casualties. It would help if you captured as many photographs as possible that can assist your legal team in establishing liability. It is imperative to capture crisp images using a mobile device. Additionally, photograph the information from above for your attorney.
Only complete or correct information is a significant factor in denying insurance claims. You must collect all the necessary and critical information.
However, remember that only some information requested by insurance companies is essential or will serve your best interests. You should exercise caution if an insurance provider requests a recorded statement.
- Pursuing Your Claim Without the Assistance of an Attorney
Without an attorney by your side throughout the process, it is a grave error that you should avoid. Without legal representation, you risk insurance adjusters exploiting your rights during the claims process. Insurance adjusters can reduce the value of your losses. Conversely, a lawyer safeguards you against the numerous strategies that large corporations frequently employ.
A legal professional can assist in accurately completing documentation, submitting a claim with the most appropriate evidence, and determining the fair value of your losses. Additionally, a lawyer can demonstrate how the various laws may be utilized to your advantage in pursuing maximum compensation.
We defend your rights against large corporations that fail to look out for you when they ought to at The Law Office of Matthew Shrum. Our team provides unwavering support throughout your journey, safeguarding you against nefarious strategies and aiding you in your quest for justice.
Our car accident lawyers are familiar with the inner workings of insurance companies. We will assist you in comprehending your rights and alternatives at every stage by remaining by your side. We urge you to consult with an attorney at our firm to obtain answers at a time when you require them.