If you have recently been involved in a serious car accident, the last thing that you probably want to deal with is yours and the other driver's insurance companies. However, many times, you may not even leave the hospital before they start hounding you for information.
While you could talk with them directly, this is most often not a good idea. Below are a couple of reasons why you should hire an attorney to represent you with the insurance companies instead of trying to navigate the communications yourself.
1. Prevents You from Accidentally Inferring Blame When Giving Your Statement about the Accident
One reason why you should not speak with the insurance company after an auto accident without a lawyer representing you is that doing so could hurt your chances of receiving compensation. The representative from the company may ask leading questions that could cause you to inadvertently infer that you were to blame for the accident, which could hurt your case.
Before you make a statement, speak with a lawyer to help you plan out what you should say. You may even be able to write down the statement and have the attorney deliver it to the insurance company for you.
2. Helps Keep You from Accepting a Settlement Offer That Is Too Low and Too Soon after the Accident
Another reason why you should have legal representation when speaking with the insurance company is that they will pressure you into accepting a settlement. Many times, this could be days or weeks after the accident, and it is most often a small amount compared to what you should actually receive.
Especially if you were seriously injured, this amount most likely will not cover any upcoming medical treatments and therapy you may need. If you accept the settlement too soon, you may be liable for these future expenses yourself. An attorney can fight to ensure that you receive a fair amount instead of the first thing the insurance company throws at you.
After being involved in a motor vehicle accident, your and the other driver's insurance companies will want to open communication with you. If you do not have legal representation, they could use your words against you so that they do not have to pay, or they may try to pressure you into accepting a low settlement amount before you even know what your expenses will be. To keep this from happening, contact an auto accident attorney in your area who can take over this communication and handle the legal parts so that you can concentrate on healing.