Tips to Help You Deal with Your Insurance Company After Your Illinois Car Accident

 Posted on April 29, 2019 in Personal Injury

Getting into a car accident can be a very scary experience for most people. Often times, getting into a car accident can result in serious injuries that can lead to permanent damage if not treated correctly. When you are recovering from injuries from a car accident, the last thing you want to do is relentlessly fight with your insurance company to get a fair settlement. Dealing with any type of insurance company can be annoying — they often will try everything they can to give you the smallest settlement possible. Here are five tips that can help you deal with your car insurance company after an accident:

Make Sure You Are Prepared

Before you submit your claim or call the claims adjuster that your insurance company has assigned to you, you should make sure that you have everything that you will need to submit the claim. Check and make sure you have copies of things such as:

• Evidence that you collected at the scene of the accident, such as photos;
• A list of damages to your vehicle;
• Cost estimates to repair your vehicle;
• All medical expenses that are related to the accident;
• Medical records, notes from your physician, and personal notes on your pain and limitations you may have from injuries resulting from the accident; and
• The police report.

Stick to the Facts

When you submit you claim, your claims adjuster will call you to get your account of what happened. When this happens, it is important that you stick to the hard facts of the accident. Do not try to retell the accident second by second. Only answer questions that the adjuster has for you and try not to offer up unsolicited information.

Do Not Admit Fault

One of the main things you do not want to do is to admit that you were at fault for the accident -- even if you think you may have been. When insurance companies are trying to determine fault, they will often try to give you a low settlement amount or hike your insurance rates if you admit to fault. Instead, let the investigation hash out who is at fault. Often, there is some sort of fault for both parties.

Do Not Settle Too Quickly

The first number that the insurance company tries to give you will probably be less than what you were expecting. This is a strategy that the insurance company uses to try to get you to accept a settlement amount for less than what you deserve. When this happens, you can begin to negotiate with the insurance company, which sometimes works but is also sometimes a headache. Hiring a skilled attorney can help negotiate a settlement for you.

Hire a Skilled DuPage County Car Accident Attorney

Perhaps one of the most important pieces of advice to heed is to make sure you have a Lombard, IL car accident lawyer on your side. At the Mevorah & Giglio Law Offices, we can help you negotiate a settlement from your car insurance company that will cover expenses, medical bills, lost wages, and pain and suffering. We can also help you file a personal injury claim against the other driver if you would like to pursue that route. Call our office today at 630-932-9100 to set up a free consultation.