If you were injured in a car accident because of the negligent actions of another driver, you would need to file a personal injury claim to obtain your rightful compensation. Mississippi is an at-fault state, which means you need to seek compensation from the insurance company for the at-fault driver.
It’s crucial that you protect your interests and compensation by knowing the legal process. You should speak with an experienced car accident attorney in MS before opening an insurance claim to make sure you know what you are up against.
Recognize that the Insurance Company is Not on Your Side
Insurance companies are notorious for being difficult and offering the lowest possible settlement to car accident victims. This can be a serious problem, especially if you are struggling with injuries and losses in the aftermath of your accident. You need to understand that an insurance company is only motivated by its bottom line – which improves only if they reduce or deny your injury claim.
The insurance adjuster does not have your best interests at heart even if they speak with you kindly. They want to do everything to reduce their costs, keep their shareholders happy, and their profits high.
This means they routinely delay payments, deny claims, and hire investigators to unearth evidence that allows them to put the blame for your accident and injury on you. In fact, many practices by insurance companies often border on being unethical.
Gather As Much Evidence as Possible
You can provide the insurance company with a clearer picture of what happened by taking pictures of the accident scene, the position of the vehicles in the collision, and your bodily injuries. You should also obtain the contact information of any witnesses that saw the accident or police officers who arrived at the scene.
It’s critical that you take photographs and make videos if possible and maintain a meticulous record of your visits to the emergency room, hospital and doctors, including all medical bills and medical reports.
Police reports are also helpful when you need official documentation for a car accident. An experienced personal injury attorney will be able to help you collect and organize all possible evidence to strengthen your claim – someone who has been around the legal corners before and knows where the dangers are lurking.
Keep a Track of Your Medical Treatment, Pain and Suffering, and Income Losses
You need to keep records of everything related to the accident. You can start by maintaining a journal or diary of events. You should make a record of where the accident happened, how it occurred, who was involved, and the type of injuries sustained. You should keep copies of all your medical records related to the injury, including x-rays, doctor’s notes, CT scans, MRI scans, and prescriptions for medication.
For instance, if you were diagnosed with a concussion, whiplash, or some other injury, you need to keep the documents safe with any treatment plan provided by your physician. You should keep a copy of the bills related to the property damage caused by the crash. This includes property damage in the form of a broken headlight or a broken phone during a car crash.
Don’t forget to keep a record of your lost wages due to time off work as a result of the injuries you sustained in the car accident. Insurance adjusters may contact you for a recorded statement.
You should never provide a recorded statement without first consulting with an attorney. You should also note down the names, identifying support ticket numbers, and other information of the insurance agents that get in touch with you.
Don’t Sign Anything or Give a Recorded Statement to the Insurer
It is important that you are very careful about the documents you sign. You will be asked by the insurance company to sign statements that say you won’t ask for further compensation. In fact, the statement may say that you won’t take the claim to court.
It is never a good idea to sign statements like these. It is very easy for insurance adjusters to slip such statements into a pile of stuff. You should be wary of anything that needs your signature. It is best if you have your attorney review such dockets before signing them.
Get Legal Help from a Dedicated Car Accident Lawyer
While there are a few insurance companies that are honest and provide fair compensation, most of them are not. Most insurance companies are highly likely to deny claims than approve them. It’s crucial that you work with a qualified personal injury attorney with experience in fighting the insurance company to help their clients obtain just compensation.
You need to understand that insurance companies are in the business of turning a profit. They may delay payments to reduce costs or in the hopes that you would accept an early settlement offer. An attorney can help take the claim to trial if settlement negotiations with the insurance company break down.
While it’s never astute to file a car accident insurance claim on your own, if you choose to file the claim, you should do it preferably within 24 hours. Moreover, you should gather all pertinent information before dealing with the insurance company.
Get Strong Legal Representation to Fight for Your Rights.
If you or someone you love has been hurt in an auto accident, the experienced car accident attorneys at Boyce Holleman & Associates can help you pursue a claim to obtain the maximum possible compensation. To schedule your free consultation, call us at 228-338-2691 or fill out this online contact form.