How to Deal with Drivers’ Insurance in 7 Steps
If you or a loved one have been involved in a car accident, it may be difficult to know what to do next. Car accidents happen and it is important to note the proper steps to ensure that all your bases are covered. After it happens, you should call your insurance company to sort out any damages to your vehicle. However, if you are involved in a car crash, you will also need to get the other person’s insurance information. It is vital that you are prepared for this call so that you are aware of your rights and what to do next.
If you haven’t done so, consult an experienced car accident lawyer who may advise you to tell the insurance company to contact your car accident lawyer directly. Otherwise, use these tips to help you manage the claim process.
How to Deal with Drivers’ Insurance in 7 Steps:
1. Record Everything That Is Said
If possible, you should write down the conversation during the call. If you cannot jot it down during the call, write down everything you remember immediately after the call.
Having your record of what happened can keep you from getting scammed by an insurance company. Have proof of the actions you took and the words that were said.
2. Do Not Allow Them To Record You
You should never allow the insurance company to record your words. There is a high chance that they will alter your speech, making it harder for your case.
Make sure that they are not recording because this could give them an opportunity to purposely alter your words or record details incorrectly.
3. Know Who You Are Speaking With
Know who you are speaking to and ask them these details so that you know who to call if other issues occur later.
Ask the individual:
- Their name
- Their insurance company
- Their contact information
- The name of the driver they are calling for
Once you have this information, you have a way to report them if something goes wrong. Asking who the person is vital to be able to build a case.
4. Don’t Give Out Personal Information
Insurance companies do not need to know all of your personal information. There are only a few items that you should give them if they call.
- Your name
- Your contact information
- Your job
It is not necessary to provide anything beyond that.
If they are pushy, kindly inform them that you do not need to provide these items. The less information they have about you, the less they can use against you.
5. Stick With the Facts
When describing the car crash, stick to the simple details. Do not go more into depth than that to avoid your description being taken and used against you.
You can tell them about:
- The crash type
- Who crashed
This information is all you should give them.
6. Don’t Take Settlement Money
Taking an initial offer almost always guarantees that you are not getting enough to cover your damages. If they offer you an amount right away, do not take it.
By holding out, you will ensure that:
- You can speak in person rather than over the phone
- You get all of your injuries and damages covered
Never take a settlement offer over the phone. Car and medical repairs can be costly. Do not get scammed into taking less than you deserve by agreeing to an offer over the phone.
7. Stay Calm
Lastly, remember to stay calm. It is easy to get angry after an accident. Before answering, take a deep breath and focus and try to stay cordial to be able to receive all the information you may need.
Call A WRZ Car Accident Lawyer
At Wilson Reeder & Zudar, we are here to support you in your time of need. We understand that car crashes can be traumatic and you may be under tremendous stress. A car accident lawyer can help you through the stress by ensuring they will fight for the justice and compensation you deserve. Get in touch with a car accident lawyer today to figure out the next best steps and provide you with significant stability and support during these troubling times.