Auto accidents are often followed by a maze of paperwork, phone calls and negotiations with insurance companies. While insurance is meant to protect individuals financially, there are times when insurance companies might not be forthcoming. Understanding these nuances can significantly impact your ability to navigate the claims process and receive fair compensation.
The Law Offices of Ron Sholes is not afraid to fight for your rights. Our attorneys provide aggressive representation and personal service, with 10 fully staffed offices and more than 100 professional support staff. As your lawyer, we will communicate with the insurance companies and get you the fair compensation you deserve. Schedule your free case review today!
After working with insurance companies for many years, here are some of the things they don’t want you to know.
Quick Settlement Offers Might Not Be in Your Best Interest
After an auto accident, insurance companies might approach you with settlement offers. However, these quick offers may not adequately cover the extent of your damages. They aim to settle fast, often offering less than what the claim is actually worth. It’s crucial to assess the full extent of injuries, property damage and ongoing medical treatment before agreeing to any settlement.
Recorded Statements Can Be Used Against You
Insurance companies often request recorded statements soon after an accident. While they might seem harmless, these statements can potentially be used against you to minimize the compensation they offer. It’s advisable to consult with a personal injury attorney before providing any recorded statement to ensure your rights are protected.
Your Right to Choose a Repair Shop
Insurance companies may suggest or pressure you to use specific repair shops within their network. However, by law, you have the right to choose your preferred repair shop. Some insurance-recommended shops might prioritize cost-cutting over quality repairs. Always opt for a reputable repair facility you trust to ensure your vehicle is restored properly.
Diminished Value Claims Are Valid
Even after your vehicle is repaired, it might lose value due to its accident history. This reduction in value is known as diminished value. Insurance companies might not readily inform you about your right to file a diminished value claim, which could compensate you for the decreased resale value of your vehicle post-repair.
Denial or Delay Tactics
Some insurance companies might use denial or delay tactics to avoid paying out claims promptly. They might cite technicalities or claim investigations are ongoing to delay your compensation. This delay tactic can put financial strain on you, especially if you’re dealing with medical bills and vehicle repair costs.
Uninsured/Underinsured Motorist Coverage is Crucial
While not mandatory in all states, uninsured/underinsured motorist coverage (UM/UIM) is vital. It protects you if you’re involved in an accident with a driver who doesn’t have insurance or sufficient coverage. Insurance companies might not emphasize the importance of UM/UIM coverage, but it can be invaluable in protecting your vehicle.
Seeking Legal Counsel Can Make a Difference
Insurance claims can be complex and navigating them without legal guidance might lead to receiving inadequate compensation. Seeking the advice of an experienced attorney specializing in personal injury cases can significantly enhance your chances of receiving fair compensation. They can negotiate with insurance companies on your behalf and ensure your rights are protected throughout the process.
Final Thoughts
Understanding the tactics and nuances of dealing with insurance companies after an auto accident is crucial. Insurance companies aim to minimize payouts, and being aware of your rights can make a substantial difference in the outcome of your claim. To find out if you have a strong case, schedule a FREE consultation with The Law Offices of Ron Sholes.
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