Common Mistakes to Avoid When Dealing with Insurance Companies After a Car Accident
After a car accident, dealing with insurance companies can be overwhelming. This is mainly because while you might have a valid case, insurers prioritize protecting the company and have resources and tactics to do so. They will look for mistakes in your claim and use them to the company’s advantage. That is one reason why insurance claims denials are on the rise due to mistakes committed during the process.
To ensure you avoid mistakes and increase your potential for receiving the compensation you deserve, it is always advisable to seek the help of a respected Florida car accident attorney. The Law Offices of Marc L. Shapiro, P.A. can deal with insurance companies on your behalf to protect your rights and your claim.
Below are some key mistakes to avoid when dealing with insurance companies after a car accident. The best step to take is to allow our firm to handle everything for you from the start.
Giving a Recorded Statement
Immediately after a car accident, insurance adjusters might call and request a recorded statement from you. While it may seem harmless, it is important to note that certain unintentional statements can be twisted to use against you.
For example, admitting you “did not see the other car coming” might be used to shift blame onto you, claiming your were clearly distracted, therefore weakening your claim. This can reduce your compensation or give the insurer grounds to deny your claim entirely. However, your lawyer will advise you on what to say or whether to say anything at all that you have no obligation to provide a recorded statement and, instead, you can refer all communications to them so you can avoid talking with the adjuster altogether. Doing so safeguards your interests, no matter how confident you might be.
Accepting the First Settlement Offer
Insurance companies are often quick to present an offer immediately after a car accident. They usually bank on your vulnerable financial situation in hopes you will accept much less than you deserve. However, accepting the first offer without legal advice is one of the biggest mistakes you can make following a crash. By doing so, you are usually leaving significant funds on the table, leaving yourself unnecessarily responsible for losses in the future.
Not Having Enough Evidence
Evidence is the cornerstone of a successful claim as it establishes liability and proves the scope of your damages and injuries. Therefore, having insufficient evidence can seriously hurt your case.
For instance, the Florida Department of Highway Safety and Motor Vehicles stresses the importance of a police report in crash claims. These reports often offer the officer’s assessment of fault, as well as noting visible injuries. If officers did not respond to the scene, you should report the accident after the fact.
Weak evidence makes it easier for the insurer to dispute liability or the scope of your damages, reducing your payout. Without clear documentation of the incident, it is your word against the insurer’s. A lawyer can gather key documentation and present it effectively to strengthen your claim.
Want to Avoid Costly Mistakes? A Florida Car Accident Lawyer Can Help
Dealing with insurance companies after a car accident is not easy for claimants. With their incentive to protect their bottom lines, insurers will be on the lookout for mistakes that could harm your claim.
Fortunately, the Law Offices of Marc L. Shapiro, P.A. is ready to fight for your right to rightful compensation. With extensive experience dealing with insurance companies, our Florida car accident attorneys will lead you through the process and fight for your rights.
Call us at (239) 500-5000 or to book a free consultation.
