Picture this: You’re driving down Peachtree Street when suddenly, another car crashes into you. You’re shaken, possibly hurt, and now you must deal with insurance companies. This can be a confusing and stressful experience, but knowing what to expect and what you deserve can make it easier to get the outcome you want.
The basic insurance process
After you get into a car accident, you’ll need to file a claim with your insurance company. You will explain what happened, provide evidence of your damages (like medical bills and car repair estimates), and then wait for the insurance company to assign a claims adjuster to investigate.
Ideally, they agree you deserve compensation and send you a check that covers all the damage. Sounds simple enough, right?
Complications you may face
Unfortunately, many cases are not this simple. Insurance companies are businesses, and their goal is to make money. They might try to rush you through the process or offer a quick settlement that’s less than you deserve.
With this in mind, you might face complications when the insurance company conducts a poor investigation, attempts to delay payments or underpays you for your damages. They may also try to place blame unfairly or deny your claim altogether.
For example, they might claim that you were partially at fault for the accident, which could reduce your settlement. Before dealing with the insurance company, it’s a good idea to gather all the necessary documents and evidence to support your claim, review your policy and understand your rights. This will help you make informed decisions and avoid accepting a settlement that doesn’t cover all your accident expenses.
Leveling the playing field
Keep in mind that insurance companies are not necessarily on your side. They might pressure you to settle quickly for less than you deserve, but don’t feel rushed or bullied. You have the right to:
- Take your time reviewing offers
- Ask questions about the settlement
- Seek a second opinion
- Negotiate with insurers
Before signing anything or accepting a settlement, talk to an Atlanta accident attorney. They understand the tactics insurance companies use, and they can help protect your rights. Further, an attorney can deal with the insurance company on your behalf so you can focus on healing.