If you or a loved one has been injured in Brunswick, you deserve legal representation that puts your recovery first. At Obral Silk & Pal Personal Injury Lawyers, we fight for the rights of injury victims across Ohio. Our firm offers free consultations to help you understand your legal options. Contact us today at 216-529-9377 to speak with an experienced personal injury lawyer.
Our personal injury services include:
Handling Insurance Companies After Getting Hurt in an Accident
After being injured in an accident, dealing with the insurance company is one of the most important steps in pursuing compensation. It’s also one of the most challenging. Insurance adjusters are trained to settle claims quickly and for as little money as possible. If you’re recovering from injuries and facing mounting medical bills, navigating these conversations can feel overwhelming.
Knowing how to interact with insurers after an injury can make a significant difference in the outcome of your claim.
Start by Reporting the Accident
As soon as possible after your injury, report the accident to the relevant insurance company. This may be your own insurer, the at-fault party’s provider, or both. Many policies require prompt notification of any incident that could lead to a claim.
Be careful about what you say during this initial report. Keep your statements factual and avoid speculating about who caused the accident or how badly you’re hurt. If you’re unsure about the full extent of your injuries, simply say that you are seeking medical treatment.
Do Not Give a Recorded Statement Without Legal Advice
One of the first things an insurance adjuster may ask for is a recorded statement. You’re not legally required to provide one to the other party’s insurance company. These statements are often used to find inconsistencies or admissions that could be used to reduce or deny your claim.
Before agreeing to a recorded conversation, consult with a personal injury lawyer. They can help you understand your rights and prepare for what kinds of questions you might be asked.
Avoid Discussing Fault
Insurance companies are looking for any reason to shift blame or lower the value of your claim. After an injury, avoid admitting fault or making statements that could be interpreted as partial responsibility. Even a simple comment like “I didn’t see the car coming” can be used against you.
Fault in personal injury cases isn’t always black and white. Let the evidence and your attorney speak to that issue instead of making assumptions on your own.
Be Careful With Medical Releases
Insurance adjusters may request access to your medical records to verify your injuries. While that might sound reasonable, you should never sign a broad medical release. These forms can give insurers access to your entire medical history, including unrelated health issues.
Instead, only provide records that are directly connected to your injury. An attorney can help you control what gets released and prevent unnecessary access to private medical information.
Don’t Accept the First Settlement Offer
It’s not unusual for an insurance company to offer a quick settlement. This can be tempting, especially if you’re struggling financially after the accident. But the first offer is rarely the best one.
These early offers often come before you know the full extent of your injuries. Accepting a low settlement can leave you paying out-of-pocket for medical care, missed work, or future treatment. Once you agree to a settlement, you typically can’t go back and ask for more, even if your condition worsens later.
Document Everything Related to the Injury
Keeping detailed records will help support your claim. Save every document related to the accident and your injuries, including:
- Medical bills and treatment records
- Police or accident reports
- Photos of injuries and property damage
- Written communication with the insurance company
- Receipts for out-of-pocket expenses
The more evidence you have, the harder it is for the insurance company to downplay your claim.
Understand the Value of Your Claim
Insurance companies may not explain what types of compensation you’re entitled to. Some common forms of damages in a personal injury case include:
- Medical expenses
- Lost wages
- Pain and suffering
- Future medical care
- Loss of earning capacity
Without a clear understanding of what your case is worth, it’s easy to settle for less than you deserve. A personal injury lawyer can review your situation and help estimate the value of your damages, both economic and non-economic.
Watch What You Share on Social Media
It’s common practice for insurance companies to monitor social media activity. If you post updates, photos, or comments that contradict your injury claim, the insurer may use them against you. Even a harmless-looking photo can be taken out of context.
For example, a picture of you smiling at a family gathering might be used to suggest that your injuries are not as serious as you say. To avoid this, consider limiting your online activity while your case is pending.
Stay Organized and Follow Medical Advice
Missing appointments or failing to follow your doctor’s recommendations can hurt your claim. Insurance companies may argue that your injuries aren’t as serious as you report, or that you made them worse by not following treatment.
Stay consistent with your medical care, take prescribed medications, and attend follow-up visits. This not only helps with your recovery but also builds a stronger case.
Keep a file with all related documents, correspondence, and notes from conversations with the insurance company. If you speak with an adjuster over the phone, write down the date, time, and a summary of the discussion.
Consider Hiring an Attorney
You don’t have to face insurance companies alone. Having a personal injury attorney in your corner can make the process less stressful and help you avoid costly mistakes. An experienced lawyer will handle communication with the insurance adjuster, gather evidence to support your claim, and fight for a fair settlement.
In some cases, having legal representation signals to the insurance company that you’re serious about protecting your rights. That alone can lead to better settlement offers and more respectful treatment throughout the process.
What to Expect from the Insurance Process
Even if you do everything right, insurance companies may still try to delay or deny your claim. It’s not uncommon for valid claims to be met with resistance. They might ask for more documentation, dispute the extent of your injuries, or try to shift the blame.
The process can take time, but persistence pays off. Keep detailed records, stay professional in all communication, and don’t let pressure from the insurance company push you into a quick decision. With the right support and preparation, you can pursue the compensation you deserve.
Dealing with insurance companies after an injury is never easy, especially when you’re focused on healing. By knowing your rights, staying organized, and avoiding common traps, you can give yourself a better chance at a fair outcome.
Brunswick Personal Injury Attorney Offering Strong Legal Support
If you’ve been injured in an accident in Brunswick, Ohio, and need help with your claim, speak with a local personal injury lawyer. We can step in, protect your interests, and guide you through the process from start to finish. Turn to Obral Silk & Pal Personal Injury Lawyers for strong legal support. Our experienced personal injury attorneys are dedicated to helping you secure the compensation you need. Reach out today at 216-529-9377 for your free consultation.