Mistakes You Don't Want to Make With Insurance Claims
Auto accidents happen in the blink of an eye. They can cause significant trauma, which can cloud the judgment of even the most astute policyholder. When an accident occurs in San Antonio, the following are some common mistakes individuals make with insurance claims that you should strive to avoid.
Not Reviewing Coverage
It's very easy to rely on the insurance adjuster and their estimate and explanation of coverage. However, even if you have had a policy with the insurance provider for years and years, you should always question their explanations and the fine print within your policy.
Accidentally Accepting Fault
You are under no legal obligation to provide a recorded or written statement to the other party's insurance adjuster. Further, you are not required to accept their phone calls or respond to emails. Similarly, you should not accept fault when speaking with your insurance provider. To help protect yourself, it is advisable to secure legal representation and have both your insurance company and the other party's insurance provider route all questions to your attorney.
Not Negotiating the Settlement
There is always room for negotiation, and policyholders should never feel obligated to accept the first offer the insurance company tenders. This is especially important when personal injuries are involved. It is common for insurance companies to offer a lower amount than what is required to cover the cost of rehabilitative care, surgical treatments, etc. Remember, once you accept an offer, you will be required to indemnify the insurance provider against further claims. If you don't negotiate a higher settlement, you will be required to cover any expenses beyond the settlement out of your own pocket.
Not Seeking Independent Medical Care
You are not required to submit to a medical examination with a medical facility chosen by your insurance company or the other party's insurance provider. You have the right to retain an independent evaluation from a physician of your choice. While you may be required to receive a second medical opinion, your attorney can help ensure that your rights are protected during this evaluation.
Contact Welmaker Injury Law at (210) 828-6033 to discuss the strategies we use to protect our clients as they pursue insurance claims in San Antonio and surrounding communities. We will answer your questions and help you determine the best way to recover compensation for your personal injuries and property damage.