Dealing with Car Insurance Companies
Our Los Angeles car accident lawyers can handle everything for you
After a car accident, one of the first steps is filing an insurance claim. It may sound simple enough, but the reality is that insurance companies are often more focused on their bottom line than on helping you recover fairly. Their goal is to pay out as little as possible, even if you’re dealing with serious injuries. This can leave you in a tough spot, especially when you’re already dealing with the stress and pain of an accident.
Whether you’re filing a claim with your insurer or the other driver, understanding the process is crucial to protecting your rights and getting the compensation you deserve. At Oaks Law Firm, we’re here to help guide you through every step of the insurance claim process, ensuring your case is taken seriously and your needs are met. Our experienced team will fight on your behalf to make sure the insurance companies don’t take advantage of you. Let us handle the hard work, so you can focus on what matters most – your recovery.
“I can say with the utmost confidence that they were very helpful and attentive to my needs. I would highly recommend this group of professionals to any and all. Can’t say enough good things about them, thank you.” – Lawrence C., ⭐⭐⭐⭐⭐
Strategies insurance companies use to downplay your claim
It’s easy to assume the insurance adjuster is there to help. But the reality is, they work for the insurance company. Their job is to minimize payouts and settle claims quickly. That means:
- Offering lowball settlements
- Delaying claim decisions
- Using your words against you
- Pressuring you to sign away your rights
That’s why it’s critical to be cautious and speak with a car accident lawyer before speaking with the insurance company. Your lawyer can speak with adjusters on your behalf.
What to expect when the insurance company calls
Shortly after the crash, you may get a call from an insurance adjuster. They’ll likely ask:
- What happened in the accident
- Whether you were injured
- If they can record your statement
- If you’ve seen a doctor
- If you’d like to settle the claim quickly
It might seem routine – but everything you say can be used against you later. Be polite, but don’t overshare, speculate, or accept any blame.
What not to say to an insurance adjuster
What you say to an insurance adjuster can impact the outcome of your claim. Insurance companies may try to minimize their payout by using your words against you, even if you don’t mean to hurt your case. That’s why it’s essential to be cautious when speaking with them. Even comments that seem innocent or offhand can be used to undermine your claim or lower the compensation you’re entitled to.
To ensure you’re protecting your rights and getting the compensation you deserve, here are a few phrases you should avoid when talking to an insurance adjuster:
- “I’m not hurt.” (Your symptoms may appear later.)
- “It was probably my fault.”
- “I don’t think I need a lawyer.”
- “I’ll give you a recorded statement.”
- “I just want to get this over with.”
To avoid the stress and possibility of making a mistake, get in touch with a California car accident attorney. They can handle communication with the insurance companies for you.
Tips for handling insurance claims
Handling an insurance claim after a car accident can be overwhelming, but taking the right steps can make a big difference in the outcome. Insurance companies may try to rush you or pressure you into accepting an offer that doesn’t fully cover your damages. By staying informed and being proactive, you can protect your rights and ensure you receive the full compensation you deserve. Here are a few tips to help you navigate the insurance claims process with confidence:
- Stick to the facts. Just explain what happened without adding assumptions or opinions.
- Document everything. Keep records of calls, emails, and any paperwork.
- Don’t rush to settle. Early offers are usually far below what you’re owed.
- Get medical treatment. Gaps in treatment can hurt your claim.
- Consult a lawyer before speaking to anyone from the insurance company.
How fault can affect your insurance claim
California is an at-fault state, meaning the driver responsible for the accident must cover the damages. If the other driver is at fault, their insurance should pay for your medical bills and property damage. However, insurance companies often try to shift blame or minimize the severity of your injuries to reduce their payout.
Understanding fault is key in your claim, and having an experienced lawyer on your side can help ensure you’re treated fairly. A lawyer will protect your rights, gather evidence, and navigate the claims process to help you secure the compensation you deserve.
What if the insurance company denies my claim?
Unfortunately, claim denials are common, especially in complicated or serious accidents. Insurers may claim:
- You were at fault
- Your injuries aren’t from the accident
- You didn’t file the claim in time
- Your damages exceed the policy limits
- There’s not enough evidence
You don’t have to accept a decision to deny your claim. A car accident lawyer can challenge the insurance company’s decision and help you fight for fair compensation.
Should I hire a car accident lawyer?
When you hire a car accident lawyer, they take over communication with the insurance company. That means:
- No more stressful calls or pressure tactics
- Professional review of any settlement offers
- Accurate calculation of what your claim is worth
- Legal leverage if the insurance company refuses to pay
Most importantly, you won’t have to face the process alone – or risk being taken advantage of.
Don’t let the insurance company call the shots
After an accident, the last thing you need is the added stress of dealing with insurance companies that are more concerned with protecting their bottom line than ensuring you get the compensation you deserve. Letting an experienced lawyer handle the insurance side of things means you can focus on recovering from your injuries. With the right legal team by your side, you can rest assured that your best interests are being fought for every step of the way.
If you’ve been hurt in a crash in Los Angeles, don’t face the insurance companies on your own. At Oaks Law Firm, we have the experience and dedication to navigate your car accident claim and ensure you receive a fair settlement. Contact us today for a free consultation. We can go over your legal rights and options.