After a crash, know this about dealing with insurance

Tread carefully when dealing with insurance

If you've been involved in a serious car accident, it is likely that you're going to have to deal with insurance claims. While the types of claims vary by accident, most people in Kentucky end up making a personal injury protection (PIP) claim with their own insurer, and a liability claim with the insurance company of the person responsible for causing the accident. In Ohio, PIP coverage is available but not mandatory.

Often, people run into trouble because they make the mistake of believing that insurance companies will always act fairly. Remember - insurance is a business. Insurance companies are motivated to drive profits by keeping payouts low.

If you have been injured in a car accident, here are some things you should keep in mind when dealing with the insurance companies:

  • Report your accident right away: Don't wait to report the crash. This is especially true for hit-and-run accidents or crashes with disputed fault. Call your insurance company as soon as you're somewhere safe and have gotten any emergency medical care you might need.

  • Go to urgent care or the ER: If you are injured - even a little bit - it is important that you seek medical attention right away. Getting immediate medical care helps ensure that your injuries are detected and treated before they get worse. Moreover, it also creates a record to show that your injuries are related to the accident. Sometimes, insurance companies will deny payment by asserting that the injuries were caused by something else.

  • Follow your doctor's orders: If your doctor wants you to get physical therapy or other follow-up treatment, follow through with the plan. This is the best way to recover from your injuries. Plus, it helps ensure that the insurance company will take your claims of injury seriously. If you aren't getting proper medical care, they may not believe you are as hurt as you say you are.

  • Don't make any recorded statements: Insurance companies often want accident victims to make recorded statements. They use these statements as evidence when making decisions about your claim. Don't ever give a recorded statement without having a lawyer present.

  • Don't accept an injury settlement offer: Many insurance like to offer early settlements to get accident victims to accept less than their claims are worth. It is rarely a good idea to accept a settlement before your injuries have healed or reached maximum improvement. (It is ok, however, to accept a fair property damage settlement.)

If you or a loved one has been seriously injured in a car accident, it is always best to get help from an experienced personal injury attorney. Your attorney will help you manage your insurance claims to help ensure that you are treated fairly and receive appropriate compensation.

Accident victims in the Cincinnati, Ohio/Northern Kentucky region can contact Taliaferro, Carran & Cowherd, PLLCfor help. Call us at 859-757-4926 to schedule a free initial consultation.