How do you respond to U.S. car accident insurance companies?
First, tell your insurance company in detail about the extent of your injuries
Lawyers recommend that you tell the insurance company the details of your injuries to help you get compensation and to get the insurance company to take your case seriously.
Second, do not admit any mistakes to the insurance company, do not make small talk with the insurance company
For example, "Where are you from, where are you going, it's a sunny day, I was on the phone with my sister and didn't see him coming out of that wide intersection" is likely to be misinterpreted as the cause of the accident being your lack of concentration.
Third, don't give information you didn't ask for
Lawyers advise you never to volunteer any information.
Fourth, if a recorded statement is required, refuse
If a recorded statement is required, then politely decline. The recorded statement can later be used as a verbatim report of the accident. You are not obligated to provide any recorded statements for your accident report. Since most people do not have the legal rigor in their speech, they are likely to give a statement against themselves.
Fifth, refuse to settle immediately and refuse to settle privately and immediately
Data shows that insurance companies can save millions of dollars in claim costs by resolving problems within 1-3 days of an accident. Every car accident settlement notice requires you to sign a future obligation insurance company release. Some insurance companies will dispatch a mediator to the scene of the accident, and the insurance company may try to settle things for a low amount of coverage. Data shows that if an insurance company settles privately with you without an attorney, you often receive less than 10% of the true settlement.
Sixth, lawyers advise you never to sign any documents
Be sure to be clear, once signed lawyers are difficult to help you overturn the signed language, even if the terms are very unfair, the court will generally uphold the signed documents.