Dealing with Insurance After a Car Crash: Dos and Don’ts

After a crash, it’s important to gather as much information as possible at the scene, including photos of the damage and contact details from any witnesses. Keep a detailed record of any medical treatments and repairs related to the accident, as this documentation will support your claim. It’s also wise to familiarize yourself with your own insurance policy, as well as the coverage of the other party involved, to better understand what you can expect during the claims process. 

Remember, staying calm and composed will not only help you navigate the situation more effectively but can also positively influence the processing of your claim. Being proactive and informed can make all the difference in achieving a fair resolution.

Why Insurance Companies Can Be Tricky

It’s important to remember that insurance companies are businesses. Their goal is to protect their bottom line, which sometimes means offering you less compensation than you deserve or finding reasons to deny your claim altogether.

This doesn’t mean all insurers are bad, but it does mean you need to be cautious and well-informed. How you interact with them can influence how your claim is handled.

Dos: What You Should Do After an Accident

1. Report the Accident Promptly

Notify your insurance company as soon as possible. Most policies require the timely reporting of accidents. Be factual and concise, sticking to the details without guessing or assuming fault.

2. Gather Important Information

Collect the other driver’s name, contact information, insurance details, and license plate number. Take photos of the accident scene, damage to all vehicles involved, and any visible injuries.

3. Keep Detailed Records

Maintain organized records of all medical treatments, repair estimates, bills, and correspondence related to the accident. This documentation is critical when negotiating your claim.

4. Cooperate, But Don’t Volunteer Too Much

Answer insurance adjusters’ questions honestly, but avoid offering unnecessary information or admitting fault. Keep your statements brief and stick to what you know for certain.

5. Consult a Lawyer Early

It’s never too soon to speak with an experienced car accident attorney. They can guide you through the process, help protect your rights, and handle communications with insurers on your behalf.

Don’ts: What to Avoid When Dealing with Insurance

1. Don’t Accept the First Offer Right Away

Initial settlement offers are often low. Insurance companies may try to settle quickly to minimize payouts. Take your time to evaluate the offer and consult with a lawyer before agreeing to anything.

2. Don’t Post About the Accident on Social Media

Avoid sharing photos, comments, or updates about the accident or your injuries online. Insurance companies and opposing parties may use your posts against you to undermine your claim.

3. Don’t Sign Anything Without Understanding It

Never sign release forms or agreements without reviewing them carefully or consulting an attorney. Some documents might limit your rights or prevent you from seeking further compensation.

4. Don’t Provide Recorded Statements Without Legal Advice

Insurance companies may ask you to record your statements. You have the right to decline or request to speak with a lawyer first. Recorded statements can be edited or used to twist your words later.

5. Don’t Delay Medical Treatment

Even if you feel okay, some injuries show up days or weeks later. Delaying treatment can harm your health and your claim. Follow your doctor’s advice and keep all medical records.

Common Insurance Terms You Should Know

Understanding insurance jargon can help you navigate the process more confidently:

• Liability Coverage: Pays for damages you cause to others if you’re at fault.
• Collision Coverage: Pays for damage to your vehicle in an accident.
• Personal Injury Protection (PIP): Covers medical expenses and lost wages regardless of fault.
• Uninsured/Underinsured Motorist Coverage: Protects you if the other driver lacks sufficient insurance.

If you’re unsure about your policy details, ask your agent or lawyer for clarification.

How an Attorney Makes a Difference

Insurance claims can be complicated and emotionally draining, especially when dealing with injuries, lost income, or vehicle damage. A knowledgeable car accident attorney helps you by:

• Explaining your legal rights and options clearly
• Gathering and preserving vital evidence for your claim
• Communicating directly with insurance companies to avoid misunderstandings
• Negotiating for fair compensation that covers medical bills, repairs, lost wages, and more
• Representing you in court if a fair settlement cannot be reached

Having a trusted advocate lets you focus on recovery while your case is in expert hands.

We’re Here to Support You Every Step of the Way

At Leavitt, Yamane & Soldner, we recognize that a car accident can turn your life upside down. Beyond the physical and financial toll, the stress of dealing with insurance companies often adds another layer of worry.

Our team is dedicated to listening to your concerns with compassion and providing clear, honest guidance. We fight to protect your rights and secure the compensation you need to move forward with confidence.

Reach Out for Your Free Consultation

If you’ve been injured in a car accident, don’t face the insurance companies alone. Time-sensitive deadlines and complex laws make early legal advice essential.

Call Leavitt, Yamane & Soldner at 808-746-7729 today for a free, no-obligation consultation. Let us help you understand your options and guide you through the claim process with care and expertise.