In seconds, an accident can change your life. Physical injuries can impair your ability to enjoy everyday activities. Then, while you recover, you worry about how to provide for your family.
Every Kentucky driver is required to have car insurance. And you pay your insurance company to help you and your family specifically in these tough times. However, it can be frustrating to speak with your insurance company to get that help. So, here are a few tips to help you.
Important note: After suffering an injury in a car accident, you should speak with an experienced attorney before speaking with an insurance adjuster. That way, you can ensure you protect your rights.
However, here is a quick overview of some essential tips you should remember when speaking with the insurance company.
Get the name of the insurance adjuster
Usually, the individual you will speak to on the phone is the insurance adjuster. It can be helpful to record their name and contact information so that you can:
- Refer back to them if they give you inaccurate information; and
- Contact that person again for any questions.
You do not have to give too many details
When speaking with an insurance adjuster or any other representative from the insurance company, you do not have to provide extensive details about:
- Yourself: Normally, you only have to confirm your name, address and contact information. Insurance agents might ask about your income or other financial information, but you are not obligated to give them that information.
- The accident: This may seem counter-intuitive since the accident is the whole reason you must speak with the insurance company in the first place. However, you do not have to provide them with a detailed account of the accident. Of course, you must be honest. But the only information you must give about the accident includes:
- When the accident happened;
- What kind of accident it was, such as a T-bone or head-on accident; and
- Where the accident happened and if there were any witnesses.
- Your injuries: Some injuries are evident right after the crash. Others might not appear until long after the accident. That is why it can be dangerous to tell the insurance adjuster about your injuries. Until you speak with an attorney and determine the full extent of your injuries, you should not give a recorded statement to the insurance company.
Unfortunately, some insurance companies will try to obtain all of this information to reduce your claim and compensation. And it can be easy to get flustered and frustrated when speaking to the insurance company, but it is critical to remember these tips to protect your rights.