A motor vehicle accident can be a nightmare, especially if you or your passengers suffer injuries. If you follow the recommended steps after the accident, you will gather the necessary information from the other driver, document the scene and most importantly, seek medical attention.
Your next step is to contact your insurance company to begin the claims process. Here is where many Florida drivers feel uncertain. You want to have the best chances of maximizing your claim, but are you sure what to say when you speak to an adjuster?
Say this, don't say that
Your conversation with the insurance adjuster should be brief. Anything you say may jeopardize your claim. The adjuster may try to get you to talk by sympathizing with your injuries and asking questions, but you would be wise to stick to the facts. Describe the accident in general terms, and tell the adjuster about your injuries. Be truthful, and do not exaggerate or allow yourself to go off on tangents. Some advisors recommend that you should not do the following when speaking with an adjuster:
- Do not agree to have your conversation recorded.
- Do not agree to send a written statement without the approval of your attorney.
- Never admit fault or hint that you may have been in the wrong.
- Do not give details about your injuries unless your doctor has diagnosed them.
- Do not minimize your injuries or say that you feel fine or you will be all right.
- Do not volunteer information about which the adjuster does not ask.
- Do not agree to a settlement unless your attorney has evaluated your case.
Accepting an early settlement may leave you without recourse if your medical condition worsens or new symptoms of injury appear. It is best to allow yourself time for a complete medical checkup and a discussion with your legal advisor who will know the best settlement you can expect for your situation.
It is possible the insurance company will not make an offer at all, but will instead deny your claim. The letter you receive should outline the reasons for the denial. If you have not sought the advice of an attorney before this point, now may be an excellent time to enlist his or her aid. A skilled attorney can guide you in taking the next steps toward seeking the compensation you deserve.