The repercussions of an Ohio car accident can be scary and intimidating. One thing you should know – Insurers are not your friend! In such an emergency it’s important to know how to deal with unwelcoming insurance companies that usually take advantage of your vulnerability, and the situation that you’ve been put in. They know that you are truly hurt. They know that you now have been but between a rock and a hard place because you have lost the use of your car.
First things first. It is wise to focus on collecting all the evidence, putting yourself together, and treating your injuries if you have any. According to recent stats, 1,068 people have lost their lives in Ohio due to car accidents in 2022. After your collision, what types of things should you NOT say to the insurance company?
Do Not Say Anything Like “It Was My Fault”
After having a car crash it is normal that you are shocked, confused, and stressed. Adrenaline rushes occur, and you may even start to question how the collision really happened. Insurance companies want you to doubt yourself. They want you to feel that maybe you were at least “a little bit at fault.” In reality, they will use this tactic to minimize the damages and to convince you to settle for less. Claim investigators record and take notes of everything you say which may result in giving up your rights by admitting your fault unintentionally.
Do Not State That You Are Not Injured
If you are asked about injuries, it is not wise to simply say that you are not injured. Many injuries do not develop or manifest until after you speak with the insurance company. Simply tell them them about any injuries that you are sure about, and if you are unsure, tell them that you are unsure as to the extent of your injuries at present. However, get yourself checked by a doctor after an accident and make sure to document your injury. Moreover, avoid signing any medical release forms for an insurance company. Never give them access to your private and sensitive medical history. You DO NOT have to sign these medical releases, despite what they tell you.
Never State Your Opinions to the Insurers
When interacting with insurance companies always stick to the point and avoid giving your opinions or commentary. If the insurer asks you a question that you don’t have any factual answer stay silent instead of giving any guess or opinion. Any statement can be used against your claim and hurt your case.
Do Not Give a Recorded Statement
If you have recorded any official statement, that will only serve the insurance company’s interest, not yours. Recorded statements are usually used to mislead or manipulate your claim to serve the aims of insurance companies. So keep in mind that you are not legally bound to give any official statement. Your own insurance policy may require one, but you should talk to your injury attorney to determine whether your policy requires it. You should also have your attorney with you during the statement.
Never Agree to the Initial Settlement Offered by Insurers
You should not agree with the initial settlement that your insurance company will offer you. They try their best to make a settlement with the figure which is as low as advantageous to them. Until your lawyer has gone through your case completely, you may not be aware of the true value of your claim. Do not give any estimated amount of your medical bills, repairing expenses of your vehicle, or any other expense. You should truly only let your attorney convey and settlement demands so as to make sure that any and all aspects of your damages are being included into the demand.
Do Not be Impatient to Settle
It is natural to be overwhelmed with the situation after having a car crash and you just want things to be over and done. However, you should not be impatient with the insurance company. Let your attorney deal with timeliness and aid you through the process. If the insurance company senses that you are desperate to settle, then the offers will remain low. In our experience as Ohio car accident trial lawyers, the clients who are the most patient, and who listen to all of the advice of their doctors and their attorney, are the clients that end up receiving the fairest settlements in the end. Patience pays off for clients.
Never Tell the Insurers That You Don’t Have a Lawyer!
It is an ideal situation for insurance companies if they know you do not have a personal injury lawyer. They hate when you get a lawyer, because they know that they are now not able to take advantage of you!
If you’ve been in a collision, call Obral, Silk & Pal, LLC. We are trial lawyers that handle strictly personal injury matters throughout the state of Ohio. We’re here for you when you need us 24/7. Call us at (216)-L A W Y E R S ( 529-9377)