If you are forced to give details during the conversation, you can say that you are still on treatment.
Most people who file insurance claims need to gain prior experience. This could lead you to decide what to tell the insurance company you want to be compensated with. You could also say something that could jeopardize your chances of getting compensated.
This is the main reason why you need to hire a personal injury lawyer. If you stay in Colombia, it is important to seek advice from personal injury attorneys in Columbia, SC. It’s easier for you because your personal injury lawyer falls under the same jurisdiction as you. It’s faster and easier to ask your personal injury lawyer to help you with your insurance claims.
This article explains how you get to talk with the insurance company and what you should say in such a conversation.
In Columbia, when negotiating with an employer’s insurer following a workplace accident in Columbia, SC, insurance is an important consideration to keep in mind. Employees injured on the job receive benefits from the workers’ compensation insurance.
Understanding the insurance policy and the benefits you are entitled to is essential when negotiating with an insurance provider for workers’ compensation claims. To make sure you get all the benefits you are entitled to under the policy, consider a Columbia Sc personal injury attorney who specializes in this area of law.
Reasons Insurance Companies Call Victims
You are entitled to compensation for damage caused by someone else in a car accident. If the person has insurance, you will receive a call from their insurance company after the accident. It is important to note that the insurance company’s objective when calling is to ensure that you are happy with their offer. Usually this offer is always lower than what you are entitled to. They do this knowing that you may not know the value of your claim.
Here are the reasons why an insurance company will call you:
- One call will have them decipher your step with the insurance claims process.
- They can also tell how comfortable you are fighting for personal injury claims. They can know if you will fight for a fair outcome and get reasonable compensation.
- The appeal is to ask you questions that may cause you to say things that compromise your claim.
- The call also urges you to immediately accept their first settlement offer. This is after they can tell you are not fully aware of the extent of your injury.
- A call can also let them know that you need expert help for a good trading strategy. For example, your personal injury lawyer.
Effective ways to manage conversations with insurance companies
It is important to know that the insurance company does not have your best interests in mind. They are more loyal to their company and to their customer (the party responsible for your injury). That’s why you need to hire a personal injury lawyer to help you through every step of the insurance claim.
Here are ways to maintain an effective conversation with the insurance company after an injury:
Identify who you are talking to
You need to know the details of the person you are talking to. This helps you document everything in case there are communication issues later. You can identify the person you are talking to by asking for the following details:
- Full name
- Phone number
- E-mail address
- Insurance company name
- Name of the person insured by the insurance company
Maintain good behavior and be polite
Losses from the accident might make you restless and angry. It helps if you keep your cool and be polite to the person talking. Don’t vent your anger on the company representative. You can express your displeasure but respectively and calmly. It helps you not to say things that might get in the way of your claim. So, stay calm and professional.
Give only little information
Be sure not to give details that could implicate you and make you feel partially at fault. You are only mandated to provide basic information to the insurance company. This means your name and contact details.
Do not give details of the accident
The conversation might lead you to talk about the details of the accident. You have the right to politely refuse to talk about it. The only accident information you can give is the type of accident that occurred. If the accident involved an automobile accident, you could talk about the type of car involved. If there were witnesses, you could give details of their identity.
You may be asked the reasons for refusing to provide details of the incident. Don’t be afraid or feel intimidated when asked. You can tell them the investigation is still ongoing, and when the time is right, you’ll give details. When it’s time to elaborate on the incident, your personal injury attorney can handle it on your behalf.
Do not discuss the details of your injury
When talking to an insurance company, you would expect them to want to know the nature of the injury. You should give little detailed information about the nature and extent of the injury. Indeed, you might discover more injuries later on during a thorough medical examination. This could cause you to lose part of the compensation.
If you are forced to give details during the conversation, you can say that you are still on treatment.
Take notes of the conversation
It would be best if you take notes on any insurance companies mentioned during the conversation. You should also write down the details you gave them during the conversation. This will help your personal injury lawyer during the negotiation process.
Make sure the conversation is not recorded
Before the conversation starts, you will be asked if it can be recorded. Some companies might tell you that the recorded conversation is meant to protect you later. Don’t be pressured into consenting to the conversation being recorded.
It would help if you declined to record your conversation. You have the right under the law to refuse to record your conversation. The insurance company would be liable if they recorded your conversation without your consent.
Don’t forget to indicate the important things if your conversation is recorded. Any vital information left out may affect your application.
Conclusion
It’s a lot of frustration when it comes to injuries sustained as a result of an accident. You might be tempted to manage the conversation with the insurance companies. You are more interested in obtaining compensation for the damage suffered. Be sure not to let frustration take over during such conversations. Using the tips above, involve a personal injury attorney and keep the discussion practical.