Although we don’t pray to experience them, auto accidents do happen. This is why we insure our houses, cars, and even our health. When auto accidents occur, your insurance company is meant to cater to some of the costs of repairs, replacements and even hospital and medical bills. This is your no-fault insurance. No-fault insurance means that your own automobile insurer will pay some or all of your medical bills and lost earnings if you get into a car accident, regardless of who was at fault for the auto accident.
Auto insurance companies advertise this step to be simple and straightforward. However, things play out differently in the heat of the moment.
One of the first things you want to do after an auto accident is to call the police and give a full and accurate statement of what occurred. Request an ambulance for immediate medical attention. You may be suffering from internal injuries yet to be discovered or some medical conditions that are unknown to you.
A few days later, an Insurance Agent will most likely contact you asking for a recorded statement about the accident. You might feel like you want to discuss your accident with someone, and here they are, ready to hear you out, but BEWARE.
It is crucial that at this point you refuse to give a recorded statement. Otherwise, your conversations will be recorded and some of your words may be taken out of context and used against you. As a result, you may not be able to make claims to the expenses and monetary compensation your insurance company should cover.
Don’t say more than what is necessary
When you’re on phone with an agent from the insurance company, only tell them what you saw, where it happened, and the time it happened. Don’t make guesses. Don’t give more information than is necessary. If you’re not sure of what to do, refuse to give a recorded statement and talk to a lawyer immediately.
Don’t agree to a quick settlement.
It is very likely that the auto-insurance company offers you a cash settlement. These settlements are usually end up being lowball offers. Don’t be in a hurry to accept this offer. You need expert legal services from an attorney to be able to get reasonable settlements from the Insurance Company after an auto accident.
Call the Law Offices Of Solomon Aminov PC for a Free Consultation on your case, 24/7