Do you know in many states it is mandatory to have car insurance? The reason behind this requirement is that insurance companies facilitate their clients in case of an accident. The insurance companies handle all the headaches and give you peace of mind that if you have faced any property damage, your insurance company will pay all the vehicle repair bills. And if you are responsible for the damage to others then your insurance company compensates the bills of the victim.
However, it isn’t as simple as it seems to be. Insurance companies claim to provide you financial protection after an accident, in response, they ask you to take a policy and submit money every year. And this is how they make money through this profession. After an accident, if you claim for financial compensation, they do an investigation and sometimes try their best to make settlements on a low amount otherwise insurance companies go through a loss.
Many people don’t claim their insurance companies even after severe accidents nor do they hire a lawyer. They may not be aware of their rights, and that’s why they suffer psychologically, physically and financially as well. If you have confronted an automobile accident then you should claim compensation from your insurance company. And If you believe your insurance company is not giving you the right amount then it’s better to take the help of the best car accident attorney in Knoxville. Your lawyer knows the worth of your case and has years of experience in dealing with insurance companies.
Well, you should try your best in dealing with insurance companies. I’m going to discuss some ways
Some Crucial Ways To Deal with The Insurance Company
Evidence plays a great part as they give support to your claims. The more evidence you will collect the more your claim will become strong. You should collect the pictures, talk to the witnesses, record their statements and document every minor detail. The insurance companies don’t easily co-operate until you have solid evidence. If you are sure that a car accident is not your fault then you have to prove it.
Keep the Record of Everything
It’s important to maintain a complete record. You need to record all the conversations between you and the insurance companies and the date when you filed a claim. Along with these, it’s essential to keep the medical reports, the doctor’s prescription and recommendations, record the bills of medical treatment, the estimate of the property damage repair, police reports and all other documentation concerned with the car accident. These records will help you if the at-fault party is not accepting their mistake or the insurance company is not showing interest and accepting your claim or wants you to adjust on a low settlement. You can hire a lawyer and go to court so that you can hold them accountable.
If The Fault is Not Yours Don’t Admit it
Most of the time it happens that the victims who face accidents for the first time, make the mistake of using the word sorry or apologies out of mercy and kindness. The experienced adjusters, insurance companies or the lawyer of the at-fault party used this thing against the victim. They fully try to reduce the value of the claim, deny the courage or prove the negligence of the victim. So it’s essential to be strong, don’t get emotional and don’t use such words which can be used against you. If you are not at fault then you should not worry about anything but lawyers’ help is a must to win against the offenders.
Make clear communications with the insurance companies or the adjustors and don’t make assumptions. You should provide the facts and details of the accidents. Don’t answer all the questions or those questions which you don’t understand how to answer. Whatever you say can be taken with another meaning so it’s better to remain silent and present all the evidence or communicate clearly so they don’t get the chance to trap you.
Don’t Sign Documents Blindly
After a claim, if your insurance company asks you to sign some documentation related to the settlement or ask you to make a statement then keep cautious. Because you should not blindly trust any company or a person. What if the documentation limits your legal rights or restrains the full value of your claim. So it’s important to read the paper or if you can’t understand the legal write up then it is better to ask your lawyer, to read it and review it.
No doubt you need the patience to deal with adjusters and insurance companies. If you provide all the evidence they will agree to provide the compensation related to injuries or car damage but they don’t provide compensation for pain, suffering or emotional damages even if you have been given the right by law. Keeping all these things in mind it’s better to hire the best car accident attorney in Knoxville. You won’t regret it and surely get a higher settlement.