Dealing with Insurance Companies After a Car Accident in Hampton
It is important to avoid dealing with insurance companies after a car accident in Hampton until you have consulted with legal counsel. Our attorneys at Cooper Hurley Injury Lawyers know that these insurance companies do not have you best interests in mind. Let us handle this part of the process and protect you from any unfair tactics.
Dangers of Giving Recorded Statements to Insurance Companies
Insurance companies typically want to speak to those involved in the accident so that they can decide if they are willing to accept responsibility and issue payment for property damage or medical bills.
However, it is often a risky decision to deal with an insurance company and provide a recorded statement about a car accident in Hampton before consulting an attorney. The reason for this is while the insurance company may say they are calling to conduct their investigation and determine fault, they are looking for an opportunity to deny payment. Because someone could lose any right to compensation if they are even one percent at fault, the insurance company is trying to get the claimant to make incriminating statements so they can create an argument that they had shared fault.
The other risky part of providing a statement is that they are trying to get someone to admit that their injuries are not as bad as they claim, and therefore, the insurance company is not responsible for paying out as much.
The other issue sometimes is that car accident injuries develop over time. For instance, pain may start in the neck and then migrate into an injured party’s shoulders or back several weeks after a crash. However, during the initial call with the insurance company, a person may not be experiencing back pain yet, so they miss out on compensation for that injury because they did not mention it initially.
Why Do People Make this Mistake?
People may make this mistake because they want to cooperate and move the process along. People who are faultless in a car accident feel as though they have nothing to hide, so they freely talk to the other driver’s insurance company. If somebody wants to get their vehicle fixed or they want access to a rental car, they often agreed to go ahead and cooperate and provide the statement. In some instances, there may be no harm done and the statement could move the process along, but it is always advisable to at least consult with a lawyer before making such a statement with an insurance company.
Accepting Premature Offers from Insurance Companies
A common tactic insurance companies use is offering an injured person a quick and easy settlement. Oftentimes, the same day or within days of an accident, an insurance company offer to pay for the emergency room visit and then give someone a couple hundred dollars for their trouble.
This is oftentimes appealing to people when they want to settle quickly and move on. The problem with this is that it may undervalue the actual losses of a claim. For instance, an injured person may need additional medical care after accepting this offer. Unfortunately, accepting an offer settles all Hampton car accident claims permanently, so injured parties are encouraged to speak with an attorney and wait until they are done with treatment before dealing with an insurance company.
Contact a Hampton Attorney when Dealing with an Insurance Company after a Car Accident
Dealing with insurance companies after a car accident in Hampton can be a stressful situation. Fortunately, you do not and should not handle these cases on your own. To get help with your car wreck claim, call today.