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5 Tips for Dealing with Your Insurance After an Indiana Car Accident

 1. Always Call the Police After an Indiana Car Accident

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Even in a minor fender bender, it’s important to call the police after an accident so they can accurately document the accident in their police report. A police report gathers the facts of the car accident and can help corroborate your side of the story if something gets disputed when you talk to your insurance company. While you wait for the police to arrive, be sure to get the other driver’s name and insurance information. You can also:

2. Take Pictures of Damage and Injuries

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If you’re not severely injured, be sure to take pictures of the damage to your car and the other person’s car, as well as any other property involved in the accident (a tree, a fence, etc.). Take pictures of your injuries at the scene of the accident and continue to document your injuries as you:

3. Seek Medical Treatment Immediately

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Without proof of treatment, it’s all too easy for insurance companies to claim that:

  • You weren’t seriously injured
  • Any injuries that have shown up since the car accident are unrelated to the accident

Get checked by a doctor immediately following an Indiana car accident if you have been injured or if you just aren’t feeling your typical self. This way, you can start getting back on your feet and can prove to the insurance company that your injuries are the result of your car accident.

While you’re treating, you’ll probably be in contact with your insurance company. If you do decide to speak with them:

4. Don’t Agree to Give Recorded Statements

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Many people try to minimize their injuries in everyday conversation, saying things like, “It’s not so bad,” or, “I’m sure I’ll be back to normal soon.” Such innocent phrases may be held against you if recorded by the insurance company.

Whatever you say, the insurance company may try to use your words against you to prove that you’re not as injured as you claim to be. Make sure you don’t consent to being recorded in your conversations with the insurance company.

Even if you’re not recorded, it can be easy to get manipulated into taking a lower settlement than you deserve. That’s why it’s always a good idea to:

5. Call an Indiana Car Accident Attorney

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It’s hard to deal with the insurance company on your own. Your adjuster is paid (and maybe even given bonuses) to get you to accept small settlements that are much lower than what you deserve.

An Indiana car accident attorney can stand up to your insurance company and make sure you get a fair settlement. If you’ve been injured in a car accident, call Hensley Legal Group today for a free consultation. Be sure to download our free eBook, Consumer’s Guide for Injured Victims, for more tips on dealing with the insurance company after a car accident.