How to Deal with Insurance Companies After an Auto Accident

Car accidents throw your life into chaos, and having to deal with insurance companies only adds to the stress. It’s important to remember that insurance companies, even your own, aren’t there to hand out large settlements. They are businesses focused on saving themselves money. Here’s how to approach these interactions as strategically as possible, with the help of your auto accident attorney in Grand Rapids, MI.

The Other Person’s Insurance Company

Michigan is a “no-fault” state, which means that your own insurance should pay for your losses in most cases. However, if you are a pedestrian or cyclist who is injured by someone’s vehicle, or if your parked car was hit by another driver, it’s possible that their insurance may come into play. If so, you’ll likely hear from the at-fault driver’s insurance adjuster shortly after the accident. Remember, this person works to keep the compensation payout as low as possible.

Don’t say anything that will compromise your case. Avoid admitting fault, even in casual conversation, and avoid speculating about what may have happened. Instead, keep your interactions strictly factual: your contact information, insurance details, and a very brief statement of the accident. Early settlement offers may look tempting, but they rarely cover the true expenses you’ll encounter from medical bills, lost time at work, and the long-term impact of injuries.

Working With Your Own Insurance Company

It’s easy to assume you can relax when dealing with your own insurance company, but again, it’s important to understand that all insurers want to minimize their costs. Review your policy details so you know the types of coverage you have and the limits applied to them.

If you are asked to give a recorded statement about the accident, speak to an attorney first. Often, it is much better to let your attorney speak on your behalf. While this may feel frustrating, any statements you make can lock you into an account of events that your own insurance company can use against you later.

Get the Right Support After an Accident

It’s vital to take immediate steps to protect yourself after an accident, so first, always seek medical care, even if your injuries seem minor, as some conditions won’t present themselves immediately.

Then, keep accurate records of every interaction with anyone related to the accident, and take photos of the scene. If you’ve suffered significant injuries, don’t hesitate to seek legal advice from an experienced Grand Rapids personal injury attorney. We have seen these situations time and again and can fight for the compensation you rightfully deserve.

Contact an Auto Accident Attorney in Grand Rapids, MI

Dealing with insurance companies shouldn’t feel like an uphill battle. Let the attorneys at Holmes & Wiseley, P.C. help you focus on recovery while we advocate for your best interests. Contact us today at Holmes & Wiseley, P.C. anywhere in western Michigan and the upper Midwest for a free consultation. We’ll assess your situation and give you the informed guidance you need to move forward.

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