Dealing with insurance companies after an accident
After a serious accident, all you will probably want to do is make sure you and anyone you were with are healthy and get back to your normal life. You'll want to put the accident behind you as quickly as possible. Life, as we all learn, is not so easy and serious car and truck accidents could lead to lots of investigation and dealing with insurance company representatives. Fortunately, you can take some steps to make this period less stressful.
The first thing you should do is learn as much about your own insurance policy as possible. Even if you weren't just in an accident and happened upon this blog by chance, you should look over your policy to make sure you know when you will be covered and for how much. You will have different coverage for medical payments, property damage, bodily injury to the other party and collision. Be sure to read the fine print and call your agent if you have any questions. It's better to have the information before you have a car accident rather than after the fact.
If you were injured in a car or truck accident, take meticulous notes and keep multiple copies of any documentation. Make sure you get the contact and license info from the other driver and the truck number and trucking company info if it was a tractor trailer crash. If you were injured by someone else's poor driving, their insurance company will be looking to limit their payout to you and having all the pertinent evidence on hand is the first step to protecting yourself.
Representatives from the other insurance company may also try and contact you for a recorded statement. It is in your best interest to avoid talking to them until you have consulted a personal injury attorney. Even if you are absolutely sure that the accident wasn't your fault, anything you say can be used to limit the payment you receive which could leave you in a dire financial situation. A skilled personal injury attorney will be able to advise you on your rights and help you make your statement to the insurance company if you even have to make one at all.
