Being involved in a car accident can cause various stressors to the victim and other persons involved. This kind of event can cause a mental toll to a person of the factors that might happen in the scene. Such as car damages, property recklessness, physical injuries and many more. With this, financial expenses might overflow and put a pain in your pocket. You will need someone who has a strong will to do the negotiations with the insurance company and even in front of the legal court. We will tackle in this article the Stokes Stemle, LLC guide on how to deal with insurance companies.
The main importance of knowing how to deal with insurance companies is knowing your rights. If you do not have enough knowledge in dealing with insurance companies, they will lower your requested compensation and will cut back some of the expense to lower the compensation that you are asking. The common strategies that some insurance companies use to minimize the payout is the expiration of your coverage contract. Make sure that it is always up to date and you paid all of the premium prices. The next one is the terms and conditions of the insurance coverage. There are a lot of canceled claims due to this due to the underlying clauses that they put to waive the insurance claim. Make sure that you are rightfully aware of the conditions and coverages that they offer so that when in time of an accident, you will not be stressed out that they have disregarded some of the claims that you should be receiving.
What you really need to look out for is when the insurance company shifts the blame. Usually they have set some rules where they can take advantage of a situation. The most common one is when they try to blame the weather, maybe it was a rainy day and the roads are slippery causing the accident to happen. This kind of accident is not part of the deal in the insurance. This is really hard to fight or counter attack if you do not have enough evidence to support it. Another thing is the road structure or condition. Maybe there is a huge hole in the road causing it to crash on the wall. This could cut down your insurance claim as they would say that it is not an accident and might blame you for not looking closely at the road.
If you are unprepared, you might lose the case. Another tip is to gather as much evidence to have a strong case and claim to the insurance company. Beforehand, it is important to have a dash cam. Every car owner has this already as this would not only record the happening but will serve as a protection. After the accident, try to take pictures as possible to support the accident. You can also gather witnesses to support the case. Lastly, if you will have physical injuries because of the accident, you must gather all of the medical records and referred medicine to support the claim.
Dealing with insurance companies can really be a burden. They might minimize your compensation and lowball your claim instead of helping you. Consulting with a lawyer would be an advantage on your part as they ensure that all of the negotiations would be met and to avoid the hassle in the future.
