4 Tips for Dealing with Insurance Companies During a Personal Injury Case 

The days and months following an accident are already overwhelming, and dealing with insurance companies adds to it.  

As personal injury lawyers in Tampa, we understand the role insurance companies play in a personal injury case and can help you work with them while protecting your rights.  

This blog post offers four helpful tips to consider if you or your loved one is navigating the process after an accident and working with insurance companies. 

How to deal with insurance companies after an accident  

Understand your rights and familiarize yourself with your coverage 

After an accident, your mind moves a mile a minute. While you’re focused on recovering physically, you know that you still have to handle the necessary next steps, like working with insurance companies.  

Before you speak with an insurance company, familiarize yourself with your coverage and, more importantly, your rights.  

Look at your terms and conditions, review any exclusions or limitations, and research the personal injury laws about claims and insurance coverage where the accident occurred.  

At Cappy Law, we wholeheartedly believe “knowledge is power”. When you understand your rights, you can advocate for yourself more effectively.   

It’s common for insurance companies to want to minimize your compensation. But being informed strengthens your negotiating power.  

Stay Organized and Document Everything 

Documentation and your organization are two of the most important things you can do regarding a personal injury case. 

Your documentation helps you paint a clear picture of the events during and after your accident. This includes, but isn’t limited to: 

  • Medical records 
  • Police reports 
  • Notes from the scene of the accident 
  • Pictures/videos from the accident 
  • Witness statements and contact information 

Keep these items organized and readily at your disposal throughout the entire process.  

Cautious Communication 

Insurance adjusters focus on protecting their companies. Because of this, their protection might not align with your best interests.  

When communicating with an insurance company, be cautious and stick to the facts when discussing the accident and injury details.  

Partner with a personal injury lawyer before speaking with an insurance company to protect yourself and preserve your case. 

A personal injury attorney can offer advice and tips on navigating these conversations properly.  

Explore your options 

It may be tempting to accept the first offer, but don’t do it. The first offers are typically well below the actual value of your claim.  

Instead of jumping on the first offer, compare them to your damages. Look at your medical expenses, consider any lost wages, factor in pain and suffering, and think about any future rehabilitation needs.  

An attorney will negotiate and advocate for you to receive the compensation you deserve. 

Understanding your rights, documenting the incident, staying organized, sticking to the basics during conversations, and exploring your options will help you navigate this process confidently.  

Of course, seeking legal counsel is always an option to get the support you need when dealing with insurance companies.  

Our team is ready to meet you if you want to learn more.  

Contact us today to schedule your free case evaluation.