After a car accident in Dubuque, you will turn to your insurance provider for assistance with vehicle damage, medical expenses, and other losses. But you should know that insurance companies are businesses that want to make profits and save on payouts. The less they pay out on accident claims, the more they make profits. This means that these companies do not care about your interests. With this in mind, it is often best to let a car accident attorney from fightingforfairness.com to handle insurers for you. As you deal with an insurance adjuster from an insurance company, here are things you should keep in mind:
Do not Admit Fault or Say Something About Your Losses
Whatever you say to the insurer can be used against you. The insurance adjuster may argue that were partly or fully responsible for the crash or that you were not as seriously injured as you claimed. That is why you should only answer their questions honestly, giving just basic information. Never get into a conversation to avoid saying something that can jeopardize your claim. It is best not to say anything about your losses as you might end up downplaying them.
Don’t Give in to Requests for Recorded Statements
The adjuster may ask you to give them recorded statements or present a summary of your insurance claim that you must approve and sign. They cannot force you to do either. Until you talk to an attorney first, decline to provide a recorded statement or sign anything. Signing can mean giving the insurer the authority to access your medical records. Sadly, such records can be used against you. For example, the insurance company may claim your current injury is not related to the accident but a pre-existing injury.
Don’t Accept a Quick Settlement
When an insurance company determines that you are entitled to compensation, it may make a quick settlement offer. However, this offer will be less than what you deserve for your injuries and losses. In general, it is best to wait until you have reached maximum medical improvement to start negotiating settlements. By this time, you and your attorney can determine the full extent of your injuries and their impacts on your life and ability to work. Accepting a settlement means giving up your right to additional compensation, which is possible if you need further or ongoing medical treatment for your injuries. You should trust your attorney to determine the right time to settle your case.