Should I Speak to an At-Fault Driver’s Insurance Company?

Navigating the aftermath of a car accident can be overwhelming, especially when it involves dealing with the at-fault driver’s insurance company. Understanding your rights and responsibilities is crucial in filing for the compensation you deserve. At Saks, Robinson & Rittenberg, Ltd., we emphasize the importance of having an experienced attorney by your side to help you prepare and negotiate effectively with insurance companies. We are here to guide you through essential considerations when communicating with the at-fault driver’s insurance company.

Understanding Your Rights and Responsibilities

Accidents can leave you with not just physical injuries but also financial burdens due to medical bills and lost wages. In such situations, dealing with the at-fault driver’s insurance company is inevitable. However, many accident victims are unaware of their rights and how easily they can jeopardize their claims by engaging directly with insurance adjusters. Having a skilled attorney means that your interests are protected and that communication with the insurance company is handled professionally and strategically.

Key Considerations When Communicating with Insurance Companies

Be Mindful of What You Say

Insurance companies are in the business of minimizing payouts. Any statements you make can be used against you to reduce or deny your claim. It is crucial to be cautious and deliberate in your communication. Instead, let your lawyer handle these interactions to prevent any inadvertent admissions or concessions that could harm your case.

Do Not Rely on the Insurance Company to Determine Liability

The at-fault driver’s insurance company will conduct its own investigation to determine liability. However, their findings may not always align with your best interests. Relying solely on their assessment could leave you without the compensation you are rightfully entitled to. An experienced attorney will conduct an independent investigation to determine liability.

Avoid Signing a Medical Release

Insurance companies may request that you sign a medical release form, ostensibly to calculate your medical expenses. However, doing so gives them access to your entire medical history, which they might use to dispute your claim. It is advisable to consult with your attorney before signing any documents, allowing them to submit only the necessary medical records related to the accident.

Document Your Injuries and Experiences

Keeping detailed records of your injuries and their impact on your daily life is essential. Document your pain levels, physical limitations and any missed events due to your injuries. Maintain copies of medical records and employment documentation. This information is invaluable to your attorney in negotiating a fair settlement that reflects the true extent of your losses.

Do Not Rush into a Settlement

After an accident, financial pressures might tempt you to accept the first settlement offer from the insurance company. However, these initial offers often fall short of covering all your losses. It’s important to be patient and consult with your attorney to understand the true value of your claim. They will guide you in making informed decisions about any settlement offers so you can seek fair compensation.

Consult With An Attorney

Dealing with an at-fault driver’s insurance company is a critical step in recovering from an accident. By understanding your rights and the tactics insurance companies may use, you can better protect yourself. At Saks, Robinson & Rittenberg, Ltd., we are committed to helping you navigate this complex process. If you’ve been involved in an accident and need guidance on handling insurance claims, contact us today for a free consultation. Let us be your advocate in securing the compensation you deserve.