The Do’s and Don’ts of Talking to Your Insurance Company After an Accident

The Do’s and Don’ts of Talking to Your Insurance Company After an Accident

Car accidents, regardless of their severity or relative insignificance, are scary events. Victims are sometimes at a loss for what to do immediately following an accident, and it is at this point that unscrupulous insurance adjusters strive to take advantage. While it is feasible to manage the claims process on your own, there are a few aspects you should be aware of about working with your own or the at-fault party’s insurance carrier.

We’ve produced a list of what to do and what not to do while dealing with an insurance company following a vehicle accident. If you’d like to talk with an experienced Louisville car accident attorney about the facts of your case, call a Philadelphia car accident attorney immediately for a free consultation.

The Must-Dos

  • Make contact with your insurance carrier as soon as possible following an accident. If you require emergency medical treatment, this can be arranged after you have received therapy.
  • Do read your insurance policy carefully to ensure that you comprehend the coverage provided. This should be accomplished before speaking with an adjuster.
  • Maintain a record of all communications with representatives of insurance companies. These records should include thorough notes of all discussions and the names, contact information, and work titles of the individuals with whom you speak.
  • Collect all additional insurance plans that you or other household members may have. In this manner, your attorney can ascertain whether any further coverage is applicable.
  • Ascertain whether your insurance policy covers replacement costs or depreciated/actual cash worth.
  • Whenever feasible, take photographs of your car and any injured parts.
  • Keep any receipts for expenditures incurred as a result of the accident.

The Don’ts

  • Refrain from making any recorded or written comments to your insurance until you become aware of your injuries.
  • Accept the value your insurance provider allocates to your losses based on their estimate or appraisal, although these estimates may be lower than the actual worth of your losses. If you are required to provide a recorded statement, consult an attorney.
  • Accept and cash no cheque that carries the words “final payment” unless you anticipate receiving no more compensation for your losses.
  • Do not disregard your insurance policy’s deadlines. The majority of insurance plans need to sign evidence of loss within a certain period following an accident. Consequently, if you are dissatisfied with the resolution of your claim, you must contact an attorney before this deadline or risk losing your right to sue.


Even though contacting an attorney is the last thing on your mind following an accident, you need not delay. Enactment of limitations restricts the length of time you have after an injury to launch a lawsuit.

When you retain our services, we immediately begin working on your case. We understand that evidence may vanish rapidly, which is why we dispatch our skilled team of detectives to the location. We’ll gather evidence, obtain a police report, and speak with insurance providers – and we’ll keep you updated while you heal.

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