By providing coverage to people in the case of an accident or injury, insurance companies make money. Paying out on accident claims does not increase the profitability of insurance companies, so even though we all pay premiums for insurance coverage, it's an insurance adjuster's job to pay the least amount possible.
If you've been in a Connecticut car accident, you can anticipate that your insurance company or the at-fault party's insurer would make an effort to save money. A common strategy to achieve this is by making an offer settlement that is far less than the victim is entitled to. Or, they could delay an investigation into your claim, refuse to provide coverage, or, in some cases, try to intimidate a victim into accepting a settlement that only covers physical damages or engaging in bad faith insurance practices.
It doesn't matter what insurance coverage you think you have or how hard your insurer tries to convince you that they are looking out for your interests. Many insurance company representatives want to minimize settlements so that revenues can keep increasing.
Remember, an adjuster's kindness isn't a sign that the insurance company is on your side. Hire a CT car accident lawyer with experience if you want to increase your chances of getting the most out of your accident claim. The attorneys at Brandon J. Broderick, Attorney at Law can assist you in dealing with insurance companies following an accident. We have both the experience and proven track record of success. We also promise to serve as your advocate, negotiating a fair and just settlement.
Tips for Dealing With Insurance Following a Car Accident
1. Gather Evidence
Following an accident, the evidence you are able to collect will be the most important part of supporting your claim. Document every aspect of your accident using photos, notes, witness interviews, and video. This will strengthen your case, help establish liability and pursue the maximum compensation of your claim.
2. Maintain Complete Records
Keep meticulous records of all transactions and communications with your insurance provider that pertains to your accident. Keep copies of your accident-related medical records, diagnosis, prescriptions, repair estimates, police report, and any other supporting data. Keep copies of everything so that you have a complete record, even after you submit a claim to your insurance provider.
3. Communication is Key
When filing a claim, what you tell the insurance company or its adjuster may be used to either lower the amount of your claim or establish fault against you. In every conversation you have with your insurer, it's important that you express yourself clearly. Deny any wrongdoing. Do not accuse anyone. Give the accident's facts and specifics. Any additional inquiries or details that you are unable to offer should be directed to your lawyer.
4. Be Careful When Signing Any Documents
It is very likely that your insurance company will require you to provide a statement or sign paperwork related to the accident after an accident. Any document you are requested to sign should be approached with caution. These papers frequently limit or restrict your legal rights, which may prohibit you from pursuing the full value of your claim. Before you sign any documents or settlement proposals, ALWAYS have legal counsel evaluate them.
5. Consult a Lawyer
Insurance companies frequently limit compensation to costs related to physical injuries. Other significant expenses that insurance companies might offer to cover after an accident include medical fees, vehicle repairs, and lost wages. Even though you might have a legal right to pursue damages for emotional distress from the accident, insurance companies will usually disregard this claim. Working with a lawyer helps ensure that you are able to assess the value of your case accurately. Based on the facts of your case, an attorney can pursue all of the damages you are entitled to.
Brandon J. Broderick Can Handle All Communication With the Insurance Company
You have the right to seek compensation if you were hurt in an accident that was the fault of another party. In Connecticut, the at-fault party's insurance is responsible for covering losses. The team at Brandon J. Broderick, Attorney at Law are committed to offering knowledgeable legal counsel and competent representation to make sure you are able to obtain compensation during this trying time.
Call us today to schedule a meeting, so a member of our legal team can evaluate your case.