When you sustain injuries because of a car accident, slip and fall, or any form of negligence, you need to file an insurance claim to hold the responsible party accountable. Before the responsible party pays for your damages, you must communicate with their insurance company. Dealing with insurance companies can be intimidating and confusing, but with some knowledge, you can successfully pursue your personal injury claims. Here’s what you need to know when dealing with insurance companies in Connecticut.
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Be Careful What You Say
When you have an injury, you will likely receive a call from an insurance adjuster. The adjuster will likely ask you questions about what happened, your injuries, and your medical history. It’s important to know that the insurance adjuster is not on your side, so be careful what you say. The adjuster may use your words against you later.
Don’t Give Recorded Statements
The insurance adjuster will likely ask you to give a recorded statement about the accident. In Connecticut, you are not legally required to provide a recorded statement to the insurance company. Avoid giving a recorded statement and instead provide a written statement detailing how the accident occurred, your injuries, and your medical treatment to date. You can give this statement to the insurance company after consulting with your personal injury lawyer.
Keep Detailed Records
When pursuing a personal injury claim, it’s important to keep detailed records of everything related to the accident and your injuries. Keep a copy of the accident report, medical records, insurance claim numbers, rental car agreements, car repair bills, and any other documents related to your claim. This will help you keep track of your expenses and support your case in case of a dispute.
Consult with a Connecticut Personal Injury Lawyer
Dealing with insurance companies can be overwhelming, especially if you have sustained significant injuries. Hiring a Connecticut personal injury lawyer can help you navigate the claims process and ensure that you receive fair compensation for your injuries. Your lawyer will negotiate with the insurance adjuster on your behalf and handle all the legal aspects of your case.
Don’t Accept a Low Settlement Offer
Insurance companies will often offer a lowball settlement offer to try to settle your claim quickly and for less than it’s worth. If you are given a low settlement offer, don’t accept it. Instead, consult with your personal injury lawyer, who can evaluate your case and determine what your claim is actually worth. Your lawyer will work to negotiate a fair settlement offer that covers all of your expenses, including medical bills, lost wages, pain and suffering, and more.
Stay Patient
The personal injury claims process can be lengthy and take time. The insurance company may take weeks or even months to investigate your claim, and negotiations can take time. Be patient and allow your personal injury lawyer to handle the legal aspects of your case. Your lawyer will keep you updated on the progress of your case and ensure that you receive fair compensation for your injuries.
Final Thoughts
Dealing with insurance companies can be intimidating, but with the right approach, you can successfully pursue your personal injury claims. Remember to be careful what you say and don’t give recorded statements. Keep detailed records of everything related to your claim and consult with a Connecticut personal injury lawyer. Don’t accept a low settlement offer, and stay patient throughout the claims process. With the help of a personal injury lawyer, you can hold the responsible party accountable and get the compensation you deserve.