Tips for Dealing with Insurance Companies After an Accident

Getting into an accident with another vehicle, or even worse, a semi-truck, is bad enough. However, accident victims usually don’t think about everything that comes afterward, specifically dealing with insurance companies. Navigating the aftermath of a car accident can be daunting, causing a toll on you mentally and physically. 

As personal injury attorneys, we at Denton, Zachary, and Norwood PLLC Law Firm understand the complexities involved following an accident. Unfortunately, insurance companies must be involved in the process in order to get you the best results for your case. Let us offer you some practical tips to make sure your rights are protected and total compensation is awarded.

Stay Calm & Gather Information

Immediately after an accident, emotions can run high. It’s crucial to remain calm and collect as much information as possible. This includes all parties’ contact information, witness statements, and their contact details. Photos of the accident scene, vehicle damage, and visible injuries are also essential to document. Don’t forget to ask for the police report number and the responding officer’s name and badge number. 

Here are some more helpful tips on what to do after a car or semi-truck accident.

In the heat of the moment, you might think you don’t need medical attention. However, even if your injuries seem minor, seeking medical attention immediately after the accident is essential. Not only is this crucial for your health, but it also establishes a medical record that links your injuries to the accident, which can be vital for your claim.

What medical care should you seek after an accident?

Notify Your Insurance Company Promptly

Most insurance policies require you to report an accident within a specific timeframe. Notify your insurance company immediately, providing them with accurate incident details. Be honest but concise, sticking to the facts. 

Speaking of sticking to the facts, be cautious with your statements. Insurance adjusters may contact you for more information or an additional statement. Remember, you are not obligated to provide an immediate statement. Politely inform them that you need to consult with your attorney first. When you do speak to them, avoid admitting fault or speculating about the accident details.

It’s also important to understand your policy. Familiarize yourself with the specifics of your insurance, including coverage limits and exclusions. This knowledge will help you better understand what to expect and advocate for yourself more effectively. Don’t be afraid to ask questions or ask for clarification on your policy.

Document Everything

Keep detailed records of all communications with insurance companies, including emails, phone calls, and letters. Note the names of the people you speak with, the dates of your conversations, and the content discussed. This documentation can be invaluable if disputes arise.

Insurance companies may offer a quick settlement to resolve your claim promptly. Take your time accepting any offers after thoroughly evaluating your medical expenses, property damage, lost wages, and other potential losses. These initial offers are often lower than what you may be entitled to. 

Part of documenting everything includes asking for all of the information for your files so you can adequately review what has been offered. Request an email or physical copy before making any settlement decisions, not just word-of-mouth or over the phone.  

Consult with a Personal Injury Attorney

Insurance companies often have teams of adjusters and lawyers working to minimize payouts. Having an experienced personal injury attorney on your team can level the playing field. Your attorney can negotiate with the insurance company on your behalf, ensuring that you receive fair compensation for your injuries and damages.

It’s important to remember to be patient, as the claims process can be lengthy and frustrating. Insurance companies might delay their responses or prolong negotiations. That’s where we come in. Stay persistent, and trust that your attorney is working diligently to secure the best possible outcome for your case.

If negotiations with the insurance company stall or if they deny your claim, it may be necessary to take legal action. Your attorney can guide you through this process and help you understand when litigation might be the best course of action. 

Contact Denton, Zachary, and Norwood PLLC Law Firm

Dealing with insurance companies after an accident can be overwhelming, but you don’t have to face it alone. At Denton, Zachary, and Norwood PLLC Law Firm, we are committed to protecting your rights and getting you the compensation you deserve. Please schedule a free consultation at one of our convenient locations in Little Rock, Conway, or Cordova. We’re here to get you the help you need now—contact us today!