Talk to anyone who has been involved in a car accident and they'll likely tell you that dealing with the insurance companies involved was a significant hassle. Even your own insurance company can present a snarl of red tape when it comes time to call them after a car accident. Here are five things to remember and act on as you deal with insurance following an accident.
1. Understand your CAR INSURANCE policy
Review your car insurance policy so you know your coverage. Wisconsin state law only requires that you carry liability and uninsured motorist coverage, but you may not have comprehensive or collision insurance unless you've chosen this option. Find out if you have special coverage like accident forgiveness or paid rental car so you know what to expect.
2. Do not assign blame FOR CAR ACCIDENT
In Wisconsin, what's called shared fault law means that everyone involved bears some responsibility for an accident. You can't recover any damages unless the other driver is more than 50% responsible for the accident. Your claim gets reduced by the same percentage that you're found to be at fault; in other words, if you were 20% to blame for what happened, you will lose at least 20% of a full settlement.
For this reason, don't admit responsibility to the other people involved in an accident OR to your insurance company. Let professional investigators decide who is to blame.
3. Leave out unnecessary details
When questioned by or making an official statement to your insurer, you don't need to answer questions in depth. Simply give a short, honest answer. Not remembering exact details of an accident is very common - stress or even a mild head injury can cause faulty memories. Trying to fill in details can lead to making an inaccurate statement to your insurance company. If you don't remember something, just say that.
4. Do be polite
Your insurance agent has to deal with people who are feeling significant stress. Be understanding and polite in your dealings with the insurance company. You're much more likely to get good service and assistance by being as pleasant as possible under the circumstances.
5. Contact aN EXPERIENCED car accident lawyer in Wisconsin
With a car accident lawyer at your side, you can hold conversations with insurance companies with less anxiety. Your lawyer can help you make the best case for yourself and receive the highest possible settlement. At Bykhovsky Law, our knowledgeable attorney can be your trusted partners as you navigate the complexities of car accident insurance settlements.
Contact us today for a free consultation.
