Trying to deal with insurance companies after you’ve been in an accident, especially if you were hurt, can be confusing. Insurance companies will use your confusion against you to try and minimize the amount of money they will have to pay out. You have to remember that insurance companies, especially the companies that do not represent you, are not interested in what is fair for you. These companies are interested in one thing only and that is minimizing their financial liability. Insurance adjusters might tell you many things. If you are unsure about anything that they are saying, contact a personal injury attorney. Below are 5 ways you can help yourself maximize your potential financial recovery.
1. Do Not Give a Recorded Statement
After your accident, sometimes they’ll even show up at the scene of your accident, an insurance adjuster may try and get you to give them a recorded statement regarding the nature of your accident. First, you are not obligated to give them this statement. Second, this recorded statement will only be used against you in order to minimize your recovery. Rarely, a recorded statement won’t hurt your chances for financial recovery, but giving the insurance company a recorded statement WILL NEVER help you. Be aware that an insurance adjuster may call you and record your conversation saying that they just need the facts of the incident. If you ever make a statement to the insurance companies, it should be done so with your attorney present.
2. Your Attorney Can Give the Insurance Adjusters Evidence
Just like recorded statements, you shouldn’t be giving the insurance adjuster any evidence to value the claim. Your personal injury attorney is more than capable of providing the insurance adjuster with all of the relevant accident information they need to properly value the claim. By trying to give this evidence yourself, you could inadvertently say or do something that the insurance company could use against you to minimize your recovery. The insurance companies will use anything that you say or do in an attempt to minimize your recovery claims. In all matters you should let your personal injury lawyer handle the insurance companies if you want to maximize your financial recovery.
3. Do Not Settle Too Quickly
It is best to have a lawyer to advise you when it comes to settlement. If you settle too early, you may be missing out on additional compensation especially if you settle before the true extent of your injuries are known. Insurance companies will come out to the scene of your accident or visit you in person shortly after your accident and offer you money. Do not take their money, or sign any of their papers. Their goal is to stay out of court and settle quickly. You will not get fair compensation from the insurance company without an attorney representing you. Also, be wary of settlement mill law firms who will sign up your case and settle it fast.
4. Hire a Personal Injury Attorney with Trial Experience
Insurance companies do not want to go to court. Going to court costs them more money, and their end goal is to minimize costs. They will try and settle the case out of court if they can. This is why you need a personal injury attorney who will go to court if that is what it takes to get fair compensation for their clients. Insurance companies know the personal injury lawyers in their area. They know who will take a case to court, and who won’t. If you hire a personal injury attorney with trial experience, the insurance companies will often offer better settlement terms because they know if they undervalue your claim your attorney will take them to court which will end up costing them even more money in the long run.
5. Take Pictures
Modern technology makes taking a lot of pictures easier than it has ever been before. If it is safe, and you are able, take a lot of pictures at the scene of your accident. If it is a car accident, photograph the damage to both cars. Be as thorough as possible. This evidence will help your case, and it will prevent the insurance companies from trying to undervalue or downplay the extent of the damages. If you were injured, take daily pictures of your wounds. This evidence will show the true nature of your recovery and injuries. The more evidence you can give your attorney the more compensation they will be able to help you recover.
Baton Rouge Personal Injury Attorneys
If you’ve been hurt in an accident, the most important thing you can do is retain a personal injury attorney to represent your interests. Anything that you say or do can be used against you by the insurance companies to minimize your potential financial recovery. If you’ve been hurt in Baton Rouge, Murphy Law Firm is here to help you. Our team has over 150 years of litigation experience and a reputation with the insurance companies that we are not afraid to take a case to trial if that is what it takes to get our clients fair compensation for their injuries. Contact us today to speak with a personal injury lawyer about your case. Call (225) 928-8800 to set up your FREE consultation.