How Should I Deal with an Insurance Company After a Car Wreck?

After a car accident, many people immediately call their insurance company without fully understanding the impact of what they say. Following a few smart steps can protect your rights and increase your chance of a fair recovery.

Should I Call a Car Wreck Attorney First?

Yes. If you’ve been injured, it’s wise to call a car wreck attorney before speaking to the insurance company. Many people find themselves overwhelmed trying to handle their claims alone. A free consultation with a reputable attorney can help you understand your rights, and an honest lawyer will tell you whether you need full representation or just a little guidance.

What Should I Tell the Insurance Adjuster?

Be very careful with your words. After a car accident, you may have two separate claims — one for property damage and one for bodily injury — handled by different adjusters. Statements made to one adjuster can negatively impact the other claim. For example, saying “I’m fine” to the property damage adjuster can be used to deny or reduce your personal injury claim later.

Can I Let the Insurance Company Move My Vehicle?

Yes. In property damage claims, you should inform the insurance company where your vehicle is located and allow them to inspect and move it as needed. This helps avoid unnecessary storage fees and speeds up your property damage resolution.

Should I Settle My Case Quickly?

No. You should never settle your injury claim until you fully understand the extent of your injuries. Some injuries may take time to develop. Settling too early means you can’t seek more compensation later if further treatment is needed. Always consult a doctor and follow their treatment plan before settling.

Is the Insurance Company on My Side?

No. Insurance companies are for-profit businesses that aim to minimize payouts. They may offer a fast settlement to resolve your case cheaply. An experienced attorney can help ensure you receive fair compensation for your injuries and losses.