5 Tips for Dealing with the Insurance Company After a Car Accident

Starting your day, you may have a lot on your plate in terms of what you need to get done. What you likely do not have on the agenda is being injured in a car accident. Car accidents are stressful, and they’re scary. They can be incredibly overwhelming, and when you have to add in dealing with the insurance company after an accident, this only adds to the challenge. How you handle the insurance process can affect the outcome of your claim.

If you were injured in a New Jersey car accident, you can call the South Jersey car accident injury attorney at Monaco Law PC. Attorney Monaco has several decades of experience as a trial lawyer representing individuals who were injured and families who lost loved ones in accidents caused by negligence. The personal injury claims process can be complex, but with the help of an experienced attorney, you can ensure that your case will be handled professionally so you can put your focus on getting better and healing from your injuries. 

Dealing with the Insurance: Top Tips

There are several steps to filing an insurance claim and collecting a fair settlement. Insurance adjusters typically are a part of each stage, so knowing how to deal with them is critical to the success of your claim.

Prioritize Evidence Gathering

To get what you are owed, you have to prove the extent of your damages while also proving your narrative of how the accident happened. So after a car accident, prioritize safety by making sure everyone involved is safe and calling emergency services if needed. Then, it is time to start evidence gathering, such as:

• Taking photos of the accident scene, the damage, the surrounding area, and any injuries.
• Exchange names and contact information with other drivers.
• Talk to witnesses and kindly ask them for their name and contact information.

Do Not Wait to Notify the Insurance Company

Most insurance policies require that accidents be reported in a timely manner. This is true even if the accident was not your fault. So, when you call the insurance company, let them know the date and time of the accident, where it happened, who was involved, and give them the police report number if you have it. 

Be Careful What You Say To Adjusters

Never admit fault during your conversation with the insurance adjuster; stick to the facts of your case only. If you don’t know an answer to a question, refrain from speculation; just say you are unsure of the answer. Last, never give a recorded statement. Remember, you can consult with an attorney before making official statements to the adjuster, which is usually why it is recommended to reach out to a legal professional before getting into deep communications with an adjuster.

Review Your Policy

You must know what your policy covers, and if you are unsure, you can ask your insurer to explain your policy to you. Understanding your policy, like medical payments or rental car coverage, is critical when it comes to settlement negotiations.

Seek Professional Guidance

You do not have to work with an attorney after an accident. However, considering an attorney can help you understand your rights, manage the insurance company on your behalf, accurately identify and calculate your damages, and negotiate a full settlement, it is usually a good idea to at least meet with an attorney and have your case reviewed. This is especially true if your accident was serious and you suffered severe injuries. 

Speak to a New Jersey and Pennsylvania Personal Injury Attorney Today

Call our South Jersey personal injury lawyer at Monaco Law PC at (609) 277-3166 for our New Jersey office and (215) 546-3166 for our Pennsylvania office to discuss your case today.

We are a New Jersey and Pennsylvania wrongful death and personal injury law firm serving Atlantic County, Bucks County,  Burlington County, Cape May County, Camden County, Chester County, Cumberland County, Delaware County, Gloucester County, Mercer County, Middlesex County, Monroe County, Montgomery County, Philadelphia, Ocean County, Salem County, Susquehanna County and all of New Jersey.