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Dealing With Insurance Companies After An Accident

How To Handle Insurance Companies

If you are involved in an automobile accident, it is important to follow a number of steps to ensure your legal rights and interests are fully protected.  Most auto accident claims are typically handled through insurance companies.  It is wise to maintain proper communication with your insurance carrier directly after an accident in order to receive the maximum amount of compensation for which you are eligible.

Notify your insurance company of the accident.  Your insurance company is accountable for the correct, appropriate, and reasonable investigation of your claim.  If you weren’t at fault in the accident, you may call the other driver’s insurance company.  If your claim is denied, the insurance company must provide you with a reasonable explanation of the denial.

After the accident you may hear from the other driver’s insurance adjuster as well as your own claims adjuster.  You have a duty under your insurance policy to cooperate with your insurance company.  So your adjuster is entitled to more information from you.  You must cooperate in the investigation, settlement or defense of the case with your company, sign authorizations if requested, submit to an examination under oath and submit a proof of loss to name.  Before signing any documents it is always best to check with an attorney to be sure you are not signing away any of your rights.  Typically your insurance adjuster will request a recorded statement.  You must give your company this statement or the company can void your coverage.  Your insurance adjuster will then decide if you are at fault or if the other person is at fault.  If you are at fault your insurance company will attempt to take care of the damages and any personal bodily injuries of the other party up to the policy limits you purchased.  If you are not at fault for the accident, the other party’s insurance adjuster will request a recorded statement.  You are not required to give a recorded statement, and the attorneys at Grey Law, strongly urge our clients not to give this statement because anything you say can later be used against you.  If you are required to give your version of what happened in the accident in order to get the adjuster to pay your property damage, tell them what happened, but do not allow them to record you.

Dealing with an insurance adjuster can be frustrating and complicated.  An adjuster is the person who decides what your claim is worth.  It’s important to get the most money for your claim.  Hiring an attorney to help you talk with the insurance company will be very helpful.  The experienced Los Angeles auto accident attorneys at Grey Law can help you talk with your insurance company and get them the information they need.  Your attorney at Grey Law will investigate the facts of your injury.  In order to help them with the investigation you will want to provide them with copies of:

  • Police report
  • Traffic tickets given to the other person
  • Photos of the scene of the accident
  • Names, addresses and phone numbers of any witnesses and what they saw
  • Medical records and bills
  • Photos of your injuries
  • Provide any other papers including your current wage versus your wage prior to sustaining injuries.  Any papers that show how your injury has negatively affected your life will be helpful in the investigation.

If you or a loved one has been injured in a motor vehicle accident and need help dealing with insurance companies contact an experienced auto accident lawyer at Grey Law today.  With over 25 years of personal injury experience the attorneys at Grey Law will help you get the compensation you deserve.  If you believe your claim was not fairly adjusted, it is important to seek the immediate assistance of an experienced personal injury attorney at Grey Law who can help you bring legal action against your insurance company.  Contact our office today at 323-857-9500 for a free case evaluation.

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