Best practices when dealing with insurance companies
Discussing your needs with an insurance company after you have been seriously injured in an auto accident can be very intimidating. Everyday people are catapulted into a world where their long-term health is another line item in a case file. Insurance companies are businesses that have their best interest at heart when settling car accident lawsuits in West Virginia or elsewhere—yes, even yours.
Because of that, it can be prudent to formulate a plan for interacting with insurance company reps and claims adjusters. Consider the following guidelines:
- Always be 100% honest.
- Do not divulge more information than necessary.
- Never talk to company reps under the influence of pain medication.
- Provide the factual information.
- Stick to the same recollection of the events and their aftermath.
Interfacing with insurance companies is difficult and that is why many people hire lawyers to do this for them. Sure, attorneys make money in this process, but they are trained in this kind of negotiation and defending their clients’ rights during this process. They fully understand legal and financial liabilities and are committed to protecting their clients.
Understanding injury claims
West Virginia auto accident injury claims are not as straight forward as they should be: person A hits person B and now must pay for all of their damages. This is a just arrangement but it is unfortunately not how injury claims and settlements really work.
Typically, both person A and B have insurance policies that will cover some of their damages and the damages they cause to others during an auto accident. Person A and B may also have a shared liability as to the cause of the accident which means person A may not be responsible for the sum total of person B’s damages.
This kind of analysis is just a small piece of what really goes on during injury claims negotiation and settlement. There are many different legalities involved in any one claim that directly affect how much a particular party is entitled to collect in the event of an accident.
It is not always easy to get the settlement you deserve when you are injured in a car accident, but a lawyer can help strengthen your case and manage the complex negotiation and interaction with the insurance company so heavily vested in the outcome.
Hill, Peterson, Carper, Bee & Deitzler, PLLC, Northgate Business Park, 500 Tracy Way, Charleston, WV 25311, Toll Free: 1-866-958-4356
Discussing your needs with an insurance company after you have been seriously injured in a Charleston, West Virginia auto accident can be very intimidating. Everyday people are catapulted into a world where their long-term health is another line item in a case file.