When you have been injured in a car, truck or motorcycle accident, you should not be talking with insurance company adjusters about your accident. You need time, maybe a month or more, to heal and recover. In the days following your auto accident, a representative from your insurance company or the other driver’s insurance company will likely give you a call in order to catch you at your most vulnerable time. Your insurance company may use this statement to keep from paying for certain medical treatment. The other driver’s insurance company may use this statement later against you in court. Here is a quick primer on what to do immediately following your auto accident to make sure you are not caught off guard and make statements that could hurt your chances for a settlement.
When an insurance company representative calls, and they will likely call within a day or two, tell them that you need some time and to call back in a week. You can give them your name, address and phone number, and the name, address and phone number of your car accident lawyer, and nothing else. They will say they only need to take your statement, and that it will only take a minute, but don't say anything. If you have not already done so, this will give you time to hire an expert car accident lawyer who has experience in dealing with insurance companies’ tactics. When they call again, give them the name and phone number of your car accident lawyer only and then politely say goodbye and hang up. If they call back tell them the same thing. Never give a statement to an insurance adjuster and certainly do not attempt to negotiate a settlement as they will try to settle your case quickly and at the lowest cost. As expert negotiators their first offer will always be their lowest.
Most people believe that insurance companies are in business to help you get the medical treatment that you need or to give you a fair and equitable settlement based on their insured’s negligence in a car accident. Unfortunately nothing could be further from the truth. An insurance adjuster works for the insurance company and is an expert in limiting or eliminating the amount of money that they have to pay out for medical treatment or settlements in cases such as yours. They know and practice every trick in the book, both fair and dirty. It's not that insurance company adjusters are dishonest; it's just that insurance companies are in business to make a profit for their shareholders and they have a vested interest in reducing claims against their company to the bare minimum. You, on the other hand, have been hurt by someone’s negligence. You need time to make decisions about your medical treatment. You also need time to prepare an expert case against the driver that injured you so that you can collect the maximum amount that you are entitled to from the driver’s insurance company as reimbursement for medical expenses and as compensation for pain and suffering.
The best thing you can do if you are involved in a car accident and suspect negligence on the part of the other driver, is to call KJC Law Firm for a free consultation. If you are injured and unable to come to our office, we can come to see you and will determine whether you have a case. Our firm has more than 90 years of experience litigating major cases. We have the resources to investigate your claim, hire the necessary experts, and get you the compensation that you deserve. KJC Law Firm represents injured people from communities all across Massachusetts, including the Greater Boston area, Cambridge, MetroWest, Cape Cod, Fall River, Lowell, Worcester and Springfield.