Apr 302012

What to Do With Insurance Companies when You’re in an Auto Accident

Author Bio: Elizabeth Roque is an in-house writer for Franklin Debt Relief. She presents information about debt relief programs, credit card debt reduction and getting out of debt on a variety of financial sites online.

You’re in an automobile accident and is very obviously not your fault. Maybe someone was driving to fast and wasn’t paying enough attention so they rear-ended your vehicle and you were forced to slide off the road, and while you were at it, your car flipped and was totaled in mere seconds – but you’re okay, at least. The next day at the hospital, you discover you have injuries from the accident. All of this gets reported to both your insurance agency and theirs, and this is where things start getting confusing. Knowing how to treat insurance companies when things start to get rough is important so you can get the cash and potential gain you deserve because of someone’s recklessness.

Don’t Give in to an Insurance Company’s Kindness

The insurance company of the other driver is going to be nice to you. While that’s just proper manners when you’re representing someone who caused another person serious injuries, when they begin to ask for things that you are not required to give, that’s where you need to draw the line. Manners are one thing, but the insurance company isn’t in it for the kindness – they’re in it to pay you as little as possible to get you to settle so they don’t have to pay you more money in the long run. So don’t fall for their game – they just want you in a position where they can get you out of their hair for as little as possible.

Don’t Tell the Insurance Company Anything you are Not Legally Required to Tell Them

The opposing insurance company is going to use their tactics to try and get you tell them things you don’t legally have to tell them. One of the most common things they will ask for is a statement of what happened at the accident. It is always best to not volunteer this information as you don’t have to by law, especially since any information you give them may point to you as partially at fault. If you’re partially at fault, many times they can give you less money and worse, refuse to cover your medical bills when you were not at fault at all.

If you don’t know exactly what to say to an insurance company to make sure you are not blamed for even 10% of the accident, don’t say anything at all, and refuse them politely when they ask for a statement. Consult a professional immediately.

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