Being involved in a car accident can be devastating. Not only may you get physical injuries, but also your mental health may be affected. Thus, the other driver’s insurance company should cover your damages to help you regain your life and provide solutions to achieve your dreams as you had planned.
However, this is not always the case. Payouts mean money leaves the insurer’s account, which is bad for their business. Hence, they may try to avoid compensating you or pay as little as possible. Here are two tricks they may use to do this:
1. Blaming you for the accident
The other driver must be at fault for their insurer to compensate you — and people don’t always want to own up to their mistakes. This is why it’s crucial to take photos after the accident. The pictures will show the positions of the vehicles and the surrounding, which can help establish how the accident occurred. Witness statements are also essential, as they provide firsthand information on what happened.
2. Using your words against you
If you have enough evidence to prove the other driver caused the accident, the insurer may resort to using your own words against you. For this reason, it is best to avoid talking to them since they will be waiting for you to say a statement they can twist out of context.
Further, when taking photos and exchanging information with the other driver, you should avoid discussing your injuries. Statements like “I’m okay,” or “I’m not that hurt,” can harm your case. If they tell their insurance company of this, the insurance adjuster can use it to reduce your compensation.
Insurance companies can be calculating when it comes to protecting their bottom line. If you are injured in a car accident, it may be time to get legal guidance to receive the compensation you deserve.