Many people mistakenly believe that the other driver’s insurance company is on their side after a car accident. It’s easy to assume they will offer fair compensation for your injuries and the damages. However, the insurance company represents the other driver, and their primary goal is to minimize their payout. Knowing this can help you protect your rights and interests.
What are the other driver’s insurance company’s priorities?
The other driver’s insurance company is a business. It aims to make a profit. Adjusters are trained to investigate claims. They look for ways to reduce or deny payments and might question the extent of your injuries. They might challenge who was at fault for the accident. Their loyalty lies with their policyholder, not with you.
How to establish smart communication strategies with the insurance adjuster?
Dealing with the other driver’s insurance company requires caution. Some tips to keep in mind include:
- Stick to the facts: Provide only essential information about the accident. This includes the date, time, and location. Also include a brief description of the damage.
- Avoid speculation: Do not guess or assume anything about the accident. If you are unsure about something, say you do not know.
- Do not discuss fault: Never admit fault or apologize for the accident. Even though you think you shared responsibility, let the investigation determine fault.
- Limit medical information: Do not discuss your injuries in detail. Simply state that you are seeking medical treatment.
- Do not give a recorded statement: The law does not require you to provide a recorded statement. You can politely decline this request.
Remember to be polite but firm in your interactions.
Why experience matters when considering support for a fair resolution
Personal injury cases that involve motor vehicles are tricky situations. Dealing with insurance companies is inevitable and is guaranteed to stress you out. Remember, they do not aim to fully ensure you receive fair compensation. In fact, insurance companies’ primary goal is to minimize payouts. Someone with experience who understands the tactics insurance companies use can give you the leverage you need. They can protect you from unfair practices. They can negotiate a fair settlement on your behalf. Arming yourself with proper knowledge and legal support would greatly protect your interests in navigating the claims process. So, in the long run, you receive a fair and proper payout.