Understanding how insurance companies operate could provide you with valuable insight if you are in an accident and suffered injuries. Insurance companies are not charitable organizations. Instead, they are massive corporations with a lucrative business plan that makes them some of the wealthiest companies in existence.
Insurance companies make money when they pay less money from settlements and judgments than they earn from paying customers buying the insurance products. Insurance companies remain profitable by settling cases for short money.
One of the most effective methods insurance companies use to keep their settlements low is using the accident victim’s words against them. It does not matter whether you are speaking with your insurance company or another person’s insurance company. Insurance companies will take what you say to them and use it as an excuse to refuse to settle a claim for a just amount of money.
A person who calls their insurance company personally places themselves in a bind. The caller must truthfully answer all questions and provide accurate information. However, an insurance adjuster or insurance representative could turn the blame on you for the accident. Consulting with a lawyer immediately after an accident could help you avoid this problem.
Attorneys speak and advocate for their clients. Their sole interest lies in protecting their clients’ best interests. A personal injury lawyer could call your insurance company or the insurance company of the person who caused your accident and speak on your behalf. The company cannot turn around and use your lawyer’s statements against you. Asking a lawyer to speak on your behalf could help you avoid making a terrible mistake.
If you must talk with an insurance representative, remember that what you say to them might be used against you. You could tell them that you were injured in an accident and describe your injuries. Aside from that, it would be best if you did not do much else. You must not apologize for doing anything or downplay the severity of the accident. You could jeopardize your claim otherwise.
Our 18-wheeler truck accident attorneys represent those injured or families who lost family members in truck accidents caused by negligence. We invite you to speak with us about your case and an initial consultation, so contact us at 1-800-YOUR-LAWYER (1-800-968-7529), or fill out our case inquiry form, or visit us in person.
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