Your First Contact with the Insurance Companies: What Not to Do (Part A)

No matter who is at fault for your accident case, you will deal with an insurance company. Whether it’s your own or the other party’s company, someone is going to call you regarding the accident. 

Contact Your Insurance Company 

After an accident, you need to contact your insurance company, especially if you are going to settle your case on your own. There’s too much to lose by hiding an accident from your insurer, so it’s best to get that out of the way first. Even if you were the main party responsible for the accident, there are some benefits of contacting your own company. In some cases you may be able to have your own insurance company pay some of your medical expenses, no matter who caused your accident. This is only applicable when you have medical payment coverage. 

Remember to Use Caution When Talking to the Insurance Company 

The first three things the insurance company will probably ask you are: 

  • to sign a medical records release form;
  • to give a recorded statement; and
  • to accept a quick settlement

Signing a medical release form is a bad idea because it will allow access to all your medical history, including past injuries. The company may try to blame your current injuries on past accidents or surgeries. A recorded statement carries the same danger of giving too much information. They may try to pressure you into admitting you were at fault for the accident or question you’re the extent of your injuries. 

The initial settlement is rarely enough to compensate you for the full extent of your losses. You don’t want to short-change yourself and accept far less than you are due. 

Keep reading to learn about how to deal with the pressure an insurance company can put on you when you’re trying to settle your case on your own. If at any time you feel you need a lawyer, contact an attorney at Ben Glass Law

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Ben Glass
Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney