If you’ve been in a car accident, it is likely that at some point you will end up speaking with an insurance adjuster about your claim. What you say can have a significant impact on the compensation you receive. Understanding how to navigate these conversations can protect your legal rights and help you receive the full compensation you deserve.
If ever in doubt, contact an experienced Minnesota car accident lawyer. Even after a minor car accident, having a lawyer on your side can help you understand your rights, navigate the insurance claim process, and get a fair settlement. Contact Brazil Sweeny Law Group today and let us get to work for you.
The Dos & Don’ts of Dealing with Car Insurance After an Accident
Car accidents are stressful enough without second guessing everything you’ve said to the insurance company. Keep conversations calm, polite and brief with these tips for communicating with insurance adjusters after a crash.
Only Provide the Basics
Simply provide the insurance company with your name, contact information and insurance details. You do not need to provide any details about the accident, your injuries, what happened or who’s at fault, as this information could be used to minimize your claim.
Avoid Admitting Fault
Minnesota uses a modified comparative negligence rule which means your percentage of fault could reduce any compensation you’re awarded. It’s important not to say anything the insurer could interpret as an admission of fault, such as apologizing.
Stick to the Facts
Don’t speculate about what happened or what might have caused the accident. Just stick to what you know for certain, such the date, time and location of the incident. If you are unsure of anything, say so.
Decline Recorded Statements
You are not required to give a recorded statement and it is best not to agree to one without first consulting an attorney. This is a tactic insurance companies often use to try to gather information that can lower the value of your claim.
Don’t Discuss Your Health or Injuries
It’s important not to make any statements about your health or injuries. Many symptoms don’t show up until much later and discussing them now when you may not know the full extent of your injuries could limit your compensation. You may also be asked to sign a medical release, which you should not do unless advised by your lawyer to do so.
Maintain a Calm Demeanor
These conversations can be emotionally challenging, but it’s in your best interest to remain polite and calm throughout all interactions. Professional, courteous communication reflects positively on your credibility and can strengthen your negotiation position.
Document Everything
Write down the adjuster’s name, phone number, and your claim number. Follow up all phone calls with emails to summarize what was discussed and create a file to keep all documents such as police reports, repair estimates and medical bills organized.
Don’t Accept Immediate Settlements
Insurance companies typically only focus on obvious damages and immediate medical expenses, leaving initial offers to often be lower than they should be. It’s important not to accept any offer until you fully understand the extent of your injuries and all damages. If you are wondering about the fairness of an offer, consult an attorney.
Refer them to Your Lawyer
Dealing with insurance companies can be intimidating and stressful, but the good news is you don’t have to. You can hire a lawyer to do all the communicating for you. At Brazil Sweeney Law Group, we often step in to be dedicated advocates for car accident victims, handling all communications and negotiations with the insurance company on their behalf. This ensures your rights are protected and that you are never taken advantage of by your insurance adjuster.
Let Brazil Sweeney Law Group Get to Work for You
If you’ve been the victim of an automobile accident the experienced personal injury attorneys at Brazil Sweeney Law Group are here to help. We provide legal services for all types of car and automobile accidents and can help you navigate the insurance process to get you the compensation you deserve. Contact us today for a free, no-obligation case review. There’s no fee unless we win.