Navigating Insurance After a Car Accident: Dos and Don’ts

car wreck - The Jackson Law Firm

Being injured in a car accident due to someone else’s negligence can entitle you to compensation for your losses. To secure the full settlement you deserve, you’ll need to communicate with the negligent driver’s insurance company. However, dealing with insurers can be daunting, and it’s essential to know what to say and what not to say. Below, we outline the most critical points to keep in mind when interacting with the insurance company after a car crash.

What to Say to the Insurance Company After an Accident

Ideally, you should avoid speaking directly to the insurance company after an accident. Insurers often use tactics to twist your words and reduce or deny your rightful coverage. To protect your interests, it’s best to consult a lawyer immediately following any crash. Your lawyer can handle communications with the insurance company on your behalf, preventing any misinterpretation of your statements.

What Not to Say to the Insurance Company After an Accident

Under Virginia’s contributory negligence law, any contribution to the accident may bar you from seeking compensation. Insurance companies are aware of this and may attempt to manipulate your statements to exploit the law’s nuances. Here’s what you should avoid:

  • Admitting Fault: Never admit fault for the accident, even if you believe you might be partly responsible. Let the investigation determine liability rather than jeopardize your claim.

  • Giving Opinions: Stick to factual information when speaking to the adjuster. Avoid speculating about what happened or any other details you’re uncertain about.

  • Providing Recorded Statements: Refrain from giving recorded statements, as insurers may manipulate these to make it appear as if you were partly at fault.

  • Disclosing Names: Avoid disclosing the names of passengers, family members, or doctors to the insurer. They may use this information to seek contradictory statements.

  • Accepting Early Settlement Offers: Be cautious about accepting any initial settlement offer, especially if your injuries may be more severe than you realize. Once accepted, you can’t seek additional compensation later.

  • Social Media Posts: Resist the temptation to post about the accident, your injuries, or your claim on social media. Insurance companies may use these posts against you.

Let Our Hillsville Car Accident Lawyer Handle the Insurance Company

If you’ve been injured in a crash, trust our Hillsville car accident lawyer at The Jackson Law Group, PLLC, to manage communication with the insurer on your behalf. Our aim is to protect your claim and secure the fair settlement you deserve. Schedule a free consultation of your case by contacting us online.