Motor vehicle accidents can be deadly. Emotions tend to run high at the scene of a crash. Although a victim’s physical and financial health may be at stake, most car accident cases don’t go to trial. When resolving a claim out of court, you can take several steps to ensure fair compensation.
Claims adjusters try to reduce or deny claims during negotiations. Loyal to insurance companies, they will undervalue your claim to avoid large payouts. Here’s how to strengthen your case.
Contact your lawyer and insurance company
As the other driver’s insurance company will defend them, yours must defend you. To build your case with your lawyer and insurance provider, always:
- Provide clear and accurate details of the accident and the extent of your injuries
- Obtain and review a copy of the police report
Finding out who broke which laws helps you judge your case’s strength quickly.
Avoid discussing the incident with the other party
A seemingly harmless conversation could have you sharing details that can hurt your case. Protect your interests by only talking to the following about the accident:
- Your attorney
- Your insurance company
- The police.
Tell your lawyer and insurance company if the other driver’s representative contacts you. Also avoid sharing details of your accident on social media. Any comment you post online can be used against you.
Track your medical treatment
Georgia insurance law covers both bodily injury and property damage liabilities. If you suffer serious injuries, you can prove it by:
- Listing doctors, physical therapists, chiropractors or other medical professionals who treat you
- Noting medical providers that referred you to other caregivers
- Itemizing your medical expenses and treatment
In addition to compiling medical bills, you can keep a written diary to track treatments.
Get a property damage valuation
A property damage claim depends on several factors. These include the circumstances of the accident, car ownership and service costs. To calculate your loss, you can:
- Get a damage estimate from your insurance company
- Get two estimates from reputable body shops
- Get two quotes for a car replacement, if your car is totaled
If you and the adjuster can’t agree on the value, ask your lawyer for help.
Don’t accept initial, lowball offers
An insurer’s first offer is rarely the best you can get. Avoid getting shortchanged by:
- Ensuring you receive treatment and compensation for injuries
- Getting a doctor’s prognosis
- Consulting your attorney before signing any settlement documents
Protecting your rights can be an uphill battle when facing insurance companies with vested interests. It’s a battle that starts as soon as the accident occurs. By taking the steps and precautions above, you can maximize compensation and peace of mind.