After a car accident, dealing with insurance companies can be overwhelming, especially when you’re trying to recover from injuries. Insurance adjusters are trained to minimize payouts, making it challenging to receive the compensation you deserve. This guide will walk you through the steps to effectively communicate with insurance companies and protect your rights after a car accident in Sherman Oaks, CA.

Steps to Take Before Contacting Insurance Companies

Before speaking with any insurance adjuster, it’s crucial to gather all relevant information to support your claim:

      • Document the Scene
        Take clear photos of the accident, including the damage to vehicles, any visible injuries, and the surrounding area. This visual evidence will be essential in your discussions with the insurance company.
      • Obtain a Police Report
        Always request a copy of the police report. This document is a key piece of evidence, especially when determining fault.
      • Exchange Contact Information
        Collect the names, contact details, and insurance information of all drivers involved. Also, note any witnesses who may have seen the accident.
      • Seek Medical Attention
        Even if you feel fine, see a doctor. Some injuries, such as whiplash or concussions, may not be immediately apparent but can worsen over time.

What to Expect from Insurance Adjusters

Insurance adjusters often present themselves as friendly and helpful, but their job is to minimize payouts. Here’s how to approach these interactions:

      • Be Brief and Factual
        When you first contact your insurance company, stick to the facts. Avoid giving detailed statements about your injuries or the cause of the accident until you’ve consulted with an attorney.
      • Avoid Recorded Statements
        Insurance companies often ask for a recorded statement to “clarify” the details of the accident. This is a common tactic used to catch you off guard and reduce your claim. Politely decline to provide a recorded statement and consult with a lawyer.

Common Tactics Used by Insurance Companies

Insurance companies are known for employing certain strategies to minimize payouts. Here are a few common tactics to watch out for:

      • Quick Settlement Offers
        You may receive a settlement offer within days of the accident. While this may seem like a quick solution, these offers are often far less than what you deserve. Always consult an attorney before accepting any settlement.
      • Blaming the Victim
        Adjusters may try to shift some or all of the blame onto you to reduce the payout. Be careful about admitting fault or providing any information that could be used against you.
      • Downplaying Injuries
        Insurance companies may argue that your injuries aren’t as severe as you claim. This is why thorough documentation, including medical records, is essential.

How to Handle Settlement Offers

When it comes to settlements, the first offer from an insurance company is rarely sufficient. Here’s how to approach the process:

      • Review the Offer Carefully
        Don’t feel pressured to accept the first offer. Take your time to assess whether the settlement covers all medical bills, lost wages, and long-term care needs.
      • Negotiate if Necessary
        If the offer is too low, don’t hesitate to negotiate. Present the documentation you’ve collected to support your request for a higher payout.

Steps for Filing an Insurance Claim

Dealing with both your own and the at-fault driver’s insurance companies can be complex. Here are the steps to take when filing a claim:

      • Notify Your Insurance Company
        Contact your insurance company as soon as possible to report the accident. Review your policy to understand your coverage.
      • File a Claim with the At-Fault Driver’s Insurance
        If the other driver is at fault, you’ll need to file a claim with their insurance company. Be cautious about what you say during this process, as it could impact your compensation.

When to Consult a Lawyer

If you’re dealing with severe injuries, disputed liability, or unsatisfactory settlement offers, it’s crucial to consult an experienced personal injury attorney. A lawyer can:

      • Negotiate with Insurance Companies: Legal representation can help ensure you receive a fair settlement, especially when dealing with complex cases.
      • Protect Your Rights: Insurance companies may try to exploit your lack of legal knowledge. A lawyer can prevent this and ensure you receive the compensation you deserve.
At Weiss Attorneys, we have extensive experience dealing with insurance companies and protecting our clients’ rights. If you’ve been in a car accident in Sherman Oaks, CA, and need help navigating the claims process, contact us today for a free consultation. We’ll fight to ensure you receive the compensation you deserve.