If you were injured in a trucking accident, you are going to have to deal with an insurance claim. The trucking company is immediately going to inform its insurer of the crash. That trucking company and insurer will have people at the crash site to begin an investigation right away. Immediately, both businesses will be looking for ways to limit their liability or avoid responsibility altogether. This mindset will continue as the days, weeks, and months go by. Because of this, you need to be careful when dealing with insurance companies after a truck accident. Better yet, you should hire an experienced Texas truck accident lawyer to represent you and deal with the insurer on your behalf.
Tips for Dealing with an Insurer After a Truck Accident
Following a truck crash, you should:
Always check who you are speaking to.
Truck wrecks are different than personal car crashes. When you are in a collision with another driver, you usually only deal with your auto insurer or the at-fault driver’s insurance company. Truck accidents are often more complicated, and there may be more than one insurer involved. If you receive phone calls from someone about the crash, always ask for the person’s name and which company they are calling on behalf of.
Do not accept a quick settlement offer.
One of the biggest mistakes you can make is accepting the first settlement offer that arrives after the crash. This offer is always too low. The trucking company and its insurer knows they’re liable, and they are hoping you will accept the offer and go away. But at this point, you may not know the full extent of your physical, emotional, and financial injuries. You should not accept the offer until you have spoken with a lawyer about the full value of your claim.
Do not agree to provide a statement.
Insurers will often try to get you to provide a recorded or written statement. You can and should decline to do so. Everything you say to an insurer will be reviewed, and the company will look for any reason to deny your claim or limit your compensation. By providing the insurer with a statement, you are potentially giving them ammunition against you.
Choose your own service providers.
Insurers often try to steer you toward certain vehicle repair shops. You do not have to go to a shop recommended by the trucking company’s insurer for your repairs or replacement estimates.
Do not sign any forms.
Insurers may ask you to sign certain forms or waivers during the claims process, such as a medical waiver or a release of claims and liability. You should not sign anything.
Know the insurer is keeping tabs on you.
Throughout the insurance claim process, it is important that you realize the insurer is keeping track of you. Insurers will monitor your social media accounts to see if anything you post contradicts or weakens your claims, which is why it is essential to never post about the accident, the insurance claim, your injuries, and your activities. In extreme cases, insurers have had claimants followed and video recorded when they believe someone may be lying about their injuries.
Hire a Truck Accident Lawyer Today – Contact The Law Giant
After getting hurt in a truck accident that was someone else’s fault, the best thing you can do is hire an experienced personal injury lawyer right away. You will want an attorney who has experience with trucking accident cases, and who can demonstrate a track record of success. By hiring Begum Law Group, you have someone to protect your rights throughout the insurance claim process, navigate insurer’s common tricks, and negotiate for the maximum compensation possible.