You were in a Santa Fe car accident, and your car has been damaged. Bad! Although it wasn’t your fault, this puts you in a complicated situation. Why? Because you’d be swarmed by insurance companies reps – insurance company of the other driver, and they are going to badger you with one thing or another. How do you deal with that? Here is what we suggest.
The short answer
Don’t give them any answer; you aren’t obliged to talk to them, so just stay away. However, you will have to involve your insurance company, report the accident, and file a claim.
If there is a need, reach out to an attorney, and then let them deal with the scenario. They’d even talk to both yours and the other driver’s insurance provider, and ensure the final settlement is maximized in your favor.
Avoid talking to other insurance providers
Why? Because you may be spoiling your case, without even knowing it. Whatever you tell them, may be used against you. Wondering how this can be? Insurance companies are an expert at it and have done it so many times. Nonetheless, even if they don’t, they will at least make a try.
Remember that there is no legal requirement that mandates you to talk to insurance companies, or get your statements recorded. So, by not doing it, you won’t be in any kind of trouble.
How well do you know your medical conditions?
Why do insurance providers want to talk to you? Primarily because they want to know the worth of your case, and come up with a reserve value. Now, they are going to try their level best, not to pay you anything above this figure. So, if you don’t know your medical condition, you can never provide them accurate diagnoses or details, and the reserved value will come out to be much lower than otherwise.
Insurance provider of the other driver doesn’t serve you
What’s the primary objective of every insurance provider? Protecting their client’s interests, and you aren’t the client of that other guy’s insurance company. So, what else do they aim at? They protect their own financial interests as well. And this they achieve by two main things: denying as many claims as possible and negotiating the lowest settlement on any claim which is approved.
What does all of this mean for you? Insurance companies want to pay the lowest possible amounts, so they’ll either reject your claim or get you to agree on an unfair settlement. After all, the policies are theirs, and so are rules. Since you aren’t an expert, you may have a tough time dealing with them, especially since you were never their client in the first place.
Lets’ cut all of this short: once again, get legal help, and ask them to deal with it. Attorneys know the rules, are aware of the laws and can handle the other driver’s insurance provider much better than you can.