How Do I Handle the Car Insurance Companies?
We strongly advise that you do not speak to any insurance adjusters until you speak with an experienced car accident attorney. Insurance adjusters are trained to get you to say things that will ruin your case. If you choose our firm, we immediately contact the insurance companies and inform them that they are no longer allowed to contact you. We will take over all communication dealing with insurance. Of course, we do not make any decisions without speaking to you first.
Q: Should I talk to the other driver’s car insurance company if they call me after an auto accident?
It’s a good rule of thumb not to speak with the other driver’s insurance company by yourself. Insurance companies are businesses first and foremost, and they’re looking to pay the lowest amount for claims in order to make the greatest profit. Anything you say to the adjuster could potentially be used against you, and so it’s wisest to direct them to your attorney.
Adjusters will try to question you about the nature of your injuries, how much time or money you have lost, contact information for your doctor(s) and any witnesses to the accident, and any insurance information that family members may have; you do not need to answer any of these questions, and should politely redirect them to your attorney.
Q: How will my medical bills get paid?
When you are recovering from a car accident, medical bills should be the last thing on your mind. However, inevitably, the medical bills will start coming in. So who pays?
It is tempting to take the first settlement the insurance company offers you. Especially when medical bills are piling up. But accept that offer and you’ll be out of luck if long-term injuries and complications set in. When accepting the check, you’ll have to sign a release agreeing that the payment is a “full and final settlement.” Sign it, and you’ll never again be allowed to ask the at-fault driver or insurance company for more compensation.
Q: What if the driver does not have car insurance?
Though legally required, auto insurance is not a given when you’re involved in an accident. Not every motorist opts to follow the law, and if a negligent driver without insurance causes your wreck, you could be shouldering the burden of medical bills and car repairs yourself.
Thankfully, most insurance policies include uninsured motorist coverage for these exact situations. If you discover the other driver does not have insurance, file a claim with your own auto insurer instead. Depending on your policy limits, you may be able to get all of your medical and repair bills covered.
Virginia Car Accident Lawyer
When you need an advocate, and we are just one phone call away. Call our car accident lawyers today at (877) 544-5323 for a free initial consultation.