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If you are a vehicle accident victim, your first thought will be about any injuries you may have. Once the fog clears, dealing with insurance companies will likely come to mind.

This may be the first car crash you have ever experienced. You should report the accident to your insurer—but what will happen then?

About insurance companies

Contrary to popular belief and the ads you see, an insurance company is not particularly interested in serving your best interests. Insurance is a multi-billion-dollar industry, and these companies are mainly interested in profits. They try to keep as much money as they can, which means they intend to part with as little as possible for you, the claimant. The insurer’s first offer is usually a low-ball figure because the adjuster knows about the claimant's vulnerability and need for money.

Dismissing medical expenses

An insurance company may try to avoid paying your medical expenses on the grounds that the car crash did not cause your injuries. This is why you should see a doctor promptly. Not only is a medical evaluation essential for your well-being, but the doctor will also write a report that links your injuries directly to the accident. Your attorney will use this report in negotiating a full and fair settlement on your behalf.

Property damage issues

If the crash caused damage to your vehicle, remember that insurance companies retain lists of auto body repair shops they want you to use. These businesses work for the insurer, not you, and the repairs they make could be subpar. For example, they may cut corners by using cheap replacement parts.

Dealing successfully with insurers

Do not provide the insurance company with a statement about the car crash or allow anyone to pressure you into making a recorded statement. Tell the adjuster to speak with your attorney. Never sign any kind of paperwork from the insurance company until your attorney reviews it. If you a vehicle crash victim, dealing with a major insurance company is no fun. Let an experienced advocate take on that job while you concentrate on recovering from your injuries.

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Denver, CO 80246

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