How to Deal with the Other Driver’s Auto Insurance Company
If you have been in an accident where another driver was at fault, you will most likely have to deal with their auto insurance company. If and when that happens, there are a few tips that can help you in your dealings with them so that you get the compensation that you are due and so that the process can be as pleasant as possible.
The first thing to remember whenever you are dealing with an insurance company as the result of an auto accident is never to sign any kind of waiver or release until you are completely satisfied with the care and compensation you have received. If you feel that you are being pressured to agree to a reimbursement amount too quickly, if you do not believe the amount to be sufficient, or you are still under a doctor’s care because of the accident, it may be best to consult with an attorney to determine if there is a limit to the amount of time you have to settle the claim.
If you are receiving medical care because of the accident, ask the other auto insurance company how they will be evaluating your injuries. Request a copy of any reports they utilize to determine your compensation. You will also want to let them know that you do not wish for them to share your medical information with any third party review team. This will help to ensure that you get the fairest settlement possible.
When you speak by phone with the other driver’s insurance company, do not agree to any recording of the conversation. The adjuster is not allowed to record the phone conversation without your permission. You do not want to agree to this because the auto insurance company can twist your words or try to use them against you in determining the extent to which their driver was at fault. Do not be hostile, and try to be cooperative when answering questions by explaining what happened, what damage occurred, and if you incurred any injuries.
Keep detailed records of any conversations or interaction that you have with any insurance company involved in the auto accident, your own or the other driver’s. Make sure to note the date and time of the call and what was discussed. Detail any agreements that you believe were reached and any time frames attached to those agreements.
Hopefully you will be able to reach an agreeable settlement with the other driver’s auto insurance company in the event of an accident. If you follow these few helpful tips, the process should go smoothly and be fair for all involved.
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