Speaking With Insurance After An Accident

Is It Worth It?

Handling conversations with insurance companies following an accident is critical in ensuring your claims are processed accurately and fairly. Recognizing that insurance companies are for-profit entities aiming to minimize payouts is essential. This means that how you communicate and what you disclose can significantly influence the outcome of your claim. Here are some things to keep in mind:

Avoid Admitting Fault

It is essential to avoid making statements that could imply responsibility for the accident. Admitting fault can complicate your claim and may be used against you by the insurance company. Let the insurance adjusters and investigators determine fault based on the evidence they collect. Even innocent statements such as “I’m sorry” or “I didn’t see the other car” can be misconstrued as an admission of guilt, negatively affecting your claim.

Limit What You Share

When speaking with an insurance company, avoiding oversharing or providing detailed accounts is vital before speaking with a car accident lawyer in Louisville. Giving too much information can unintentionally harm your claim. Do not guess or estimate details like speed, injuries, or fault – just share the facts you know. 

Do Not Accept a Quick Settlement Offer

Insurance companies may offer a low settlement quickly to close the claim without considering the full extent of your damages. It is important to never accept the first offer without reviewing your medical costs, property damage, and future needs. 

Be Careful with Recorded Statements

Insurance adjusters may request a recorded statement, but it is not always required. Be aware that you can decline this request until you consult a lawyer. A lawyer can guide you on what to say or not say to protect your claim and ensure your rights are upheld.

Document Everything

Keep track of all communications with your insurance company, including dates, names of people spoken to, and the details of each conversation. Additionally, maintain records of your injuries, property damage, and expenses. This documentation can be crucial in supporting your claim and ensuring all aspects of your damages are accounted for.

Don’t Downplay Your Injuries

Avoid making statements such as “I’m fine” or downplaying the severity of your injuries. Some injuries may not be immediately apparent following the accident, and seeking medical evaluation and documenting any symptoms is important. 

Watch Out for Tricks

Insurance companies often employ various tactics to reduce their payouts.

One common strategy is engaging in friendly conversations to gain your trust and elicit statements that could be used against you.

It’s essential to remain professional and cautious, remembering that their goal is to minimize expenses.

Confusing legal terms are another tactic used to overwhelm and confuse claimants.

Never hesitate to ask for clarification or consult an injury lawyer when faced with unfamiliar terminology. 

Staying vigilant when dealing with adjusters is critical.

If you’ve been in an accident and need help, don’t hesitate to contact us today to schedule a free consultation. 

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I worked with Austin Johnson he was very informative and kept in contact during the whole process. Austin was easy to work with I would definitely recommend.

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The entire team was top notch. Jordan and team kept me informed and confident during the whole process. 10/10

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I dont drive through the ville very much so i just saw them last week. I have never been a client, but i sure will be if i ever need one. I just wanted to show gratitude to you all and to thank you all so much for the differences you're making, no matter big or "small", in the courtroom and outside the courtroom.

Sharon P.

Sam Aguiiar, I want to Thank you and your team ,you guys was awesome from the beginning to the end.I will continue to recommend you guys to family and friends .again Thank you Mildre Davis

Thomas B.

Would absolutely recommend, especially if you’re anxious about the injury process, as they have a team that will be there for you and transparent every step of the way.

Khalil K.

I would like to thank Mr. Sam's office for the excellent service they provide us. I have known Mr. Sam for more than 15 years. He is a very good and respected lawyer and has wonderful employees. Thank you all. Thank you Austin and Kyle.

Tiffany D.

Nick Wilson and Christina were wonderful. I was informed through the entire process and pleased with the outcome.

malik A.

Very transparent team who worked diligently with me on my case. Regular updates were given on the case and a satisfactory conclusion was reached!

Brittany C.

Great experience with the Team here! This was the first time I sought legal assistance for an accident and I was not sure what to expect or how the process worked. Peyton and Cheymez were wonderful and took time to explain every part of the process and answer any questions I had along the way. They got me a great settlement and I would recommend them to anyone needing a professional and dependable attorney.

t H.

First, I would like to say THANK YOU to the entire staff at Sam Aguiar office. I would like to give a special THANK YOU to “Chy”’! I never had a question go unanswered at anytime. My experience was 100 with this office. I will send referrals without hesitation. Again Thank You.