When you get into a car accident, the first thing an insurance company is going to try to do is contact you to assess their situation and minimize their financial payout. While they might appear to be sympathetic, they are a part of a business that makes its money off of risk assessment and minimizing payouts. So, even before you realize just how injured you are, they may try to get you on record as stating that you aren’t that hurt, and prevent you from collecting what you might rightly need for recovery of any injuries. This is why you should always contact a personal injury attorney when you have been involved in a car accident – even those which seem fairly mild.
A personal injury attorney – or car accident attorney – can advise you on what to say, and what not to say, to the insurance company when contact you. Often times a victim’s injuries will not present until a few days later, after an initial trip to the doctor and after the insurance company has already tricked you into saying that you’re “just fine.”
Another trick the insurance companies do is offer you a small payout to settle the case; but, if you cash that check, this is an acknowledgment that you have accepted the settlement from the insurance company and the door is effectively closed on any hope of recovering additional funds for therapy. This isn’t something that should be happening, but in an emotional moment, without a personal injury attorney on your side, it’s hard to distinguish what is fair and normal in each individual situation – especially when the accident is not your fault.
When it all comes down to it, your best resource for protection against the insurance companies is to call a car accident attorney to help you decide on your options. Personal injury attorneys are not always “ambulance chasers,” most of them simply are looking out for you when you are injured. You can bet the insurance company has a whole team of attorneys looking out for their interests, so it’s only fair that you have one, too.