Many people assume that their insurance company will be on their side after a car accident. However, it is important to remember that insurance companies want to minimize the amount that they pay out after a claim is made. This is why many car accident victims do not get the monetary damages that they truly deserve.
If you want to make sure that you are able to gain a fair settlement, it is important to consider the way that you communicate with your insurance company. By understanding how insurance companies work and by acting accordingly, you will have a better chance of being offered a fair settlement.
Make sure that your medical costs are billed to your insurance company
Many people make the mistake of allowing medical bills to be billed to them personally. You should do what you can to insist that your medical provider bills your insurance provider. There may be some resistance to this, however. This is often because many insurance companies have deals in place that allow them to pay lower rates to medical providers.
Take photos of all evidence
You can never have too many photos of the damages that the car accident caused. If you are not seriously injured at the scene, you should try to take as many pictures as possible of the accident. In addition, any bodily injuries should be photographed so that the full extent of the damages caused can never be disputed by the insurance company.
If fault is disputed, be wary of giving statements without being aided
It's common for insurance companies to ask the car accident victim for a statement on the car crash. Car accident claimants should be very cautious about providing a statement without legal assistance. Many times, the insurance company will convince a car accident victim to provide a statement and then will later use this statement to undermine their claim.
Don't underestimate the recoverable damages
Many car accident victims underestimate the long-term costs of their injuries. It is important to account for lost wages, counseling and other medical bills as part of the recoverable damages.
If you are experiencing problems in getting the car insurance damages that you deserve, it is important to take action by using the law in Maryland to your advantage.