What Should You Do In Terms Of The Insurance Companies If You Are Involved In An Auto Accident? Do You Have To Notify Your Own Insurance Company Or The Other Party’s Insurance Companies?
It is always recommended to contact the other person’s insurance first. If you wind up contacting your own insurance company and they pay the entire claim, it may count against you and increase your rates. Therefore, you always want to see first and foremost about filing a claim against the person who caused the accident.
Often times, you will need to call your insurance company to collect the PIP insurance or the Med Payment insurance which you purchased to help you with your out of pocket expenses. Those claims do not count as a mark against you and your insurance. It is only if they fix the car or pay on the claim that count against you. So, always contact the other person’s insurance to open a claim, get a claim processed and find out what their position is going to be.
What Should Someone Do If The Other Party’s Insurance Company Contacts Them?
Never ever give a statement to the insurance company unless you are represented by an attorney and they are present to help you. Parker Law Firm strongly advises against giving any statements unless and until you are fully ready. One of the things you do not want to do is give a statement when you are hurt, you are still injured or you might be under medication. There may be things that you leave out or forget.
The number one thing to remember is that when you are talking to the other person’s insurance company, they are not your friend. They are trying to get information that will assist them in either denying your claim out right or minimizing the amount they are going to have to pay on the claim based on things you may have inadvertently and very innocently said and that will be taken out of context.
If You Feel Fine Initially But Start Having Severe Pain Days Later That Requires Medical Treatment, Do You Still Have A Case?
You do, but the longer the time goes by that you do not seek medical treatment, the more suspect the insurance companies become of your claim of injury. Moreover, jury’s also become more suspect. That is why it is so important to be sure to go and get checked out by medical professional as soon as possible if you are hurt. Often times as a result of the adrenaline from a crash, you will not realize that you have been hurt or something will not be readily apparent to you until the next day or the day after. That is when you want to be sure to go and get checked out.
Many people feel like they are okay and that they will get better in a few days and often times that is the case. However, you should still go and get checked out to be sure that there are no underlying problems. Any delay will not only affect your physical recovery and your wellbeing, but the delay certainly has the potential of diminishing your ability to get a full recovery.
Attorney Brad Parker Answers Some Common Questions Asked By Someone Who Has Been In An Auto Accident. For more information, call the Parker Law Firm for a Complimentary Personal Injury Strategy Session at (817) 503-9200 and get the information and legal answers you’re seeking.