After a truck accident, tell your insurance company only the necessary facts. Don’t guess who was at fault or imply that you are uninjured.
The insurer might reach out shortly after the accident to offer you a low settlement or get you to say that you caused the accident. Do not give them an opportunity to use your words out of context. You can protect your right to compensation in many ways.
Be Factual When Speaking To the Insurance Company
You should always tell the truth and be as factual as possible when providing information to your insurance company. This also means that you should not hide information.
If you do not know something, be transparent about the fact that this information is missing. Information passed along to insurance companies could become part of official and legal documentation of a truck accident. Any failure to accurately disclose information could jeopardize your claim and put you at legal risk.
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Submit Information You Collected From Involved Parties
You should also give your insurance company the contact and insurance information of any other involved parties. This is important because insurance companies often work together when figuring out who was at fault for an accident and which company should ultimately pay.
The quicker you provide this information, the faster your claim could be resolved. Gather as much information as you can from other parties at the scene of the accident. This is because it can be challenging to track down this information after other individuals leave the scene.
Pass Along Police Reports to the Insurance Company
If there are any damages or injuries, a law enforcement officer should report to the scene of the accident to help facilitate. They can help exchange information, clear the roadways, and get victims necessary care.
Part of the police’s job is also to complete a report detailing each accident they are assigned to. This report could be an official statement and could affect which parties will be held responsible. Such a decision can decide whether you could even collect compensation.
If You Disagree With a Police Report?
While a police report should be factual, sometimes mistakes happen. Suppose you think the police report submitted to your insurance company is erroneous. In that case, you may want to consult with a legal professional dealing with truck accident cases to evaluate your options.
Do Not Assume You Were At Fault for the Truck Accident
Insurance companies are businesses. So, when they are required to pay for damages or injuries, they lose money. Because insurance companies are not financially incentivized to help accident victims, they could fight the facts or details of your claim to pay less than you deserve.
This is one reason why you should not immediately admit fault for your accident to your insurance company. It is not up to you to decide if you were at fault, even if you think your actions contributed to the accident. Allowing the process to play out could ultimately save you from bearing fault.
For instance, you might not realize that the trucking company had encouraged their drivers to complete jobs while drowsy. This would violate Federal Motor Carrier Safety Association hours of service regulations and could help you establish negligence.
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Do Not Disclose Your Injuries to Insurers; They Still Might Develop
Truck accident injuries can be very serious, and sometimes they can take a long time to develop. Many accident victims do not notice pain or symptoms for days, weeks, or even months after an accident.
If you tell your insurance company you are uninjured after a truck accident, it will be difficult to change this statement down the road, even if you develop symptoms. You should give yourself time to be sure you are physically healthy. You could even opt to see a medical professional who can confirm your well-being.
Take Care of Yourself After a Truck Accident
Many motor vehicle accidents occur around the United States each year. Truck accidents can be dangerous and devastating to your life, between physical injuries, financial implications, and emotional stress.
Before you think about the insurance implications, you should be sure all of your immediate physical and mental needs are met. Nothing is more important than your health and well-being. Once you are treated for your immediate injuries, retain a lawyer to fight for you.
If you are involved in an insurance or legal dispute following a truck accident, remember that there is help available. Hiring a lawyer to help you fight for what you deserve could be beneficial, especially if you would otherwise be missing out on potential compensation.
Contact Us Today About Your Truck Accident Case and Possible Damages
Our team at Isaacs & Isaacs Personal Injury Lawyers has represented truck accident victims like you. If you are seeking legal help during an insurance dispute, we are available to discuss your case. Contact us for a free, no-obligation consultation before it is too late.