When you’re in an accident, it’s natural to be worried about your future. But if you don’t have health insurance, it can be especially difficult to deal with an insurance company on your own. The good news is that there are some things you can do to help yourself navigate these conversations and get the most out of them:
Get the Name of the Person You’re Speaking With
When you’re speaking with an insurance company, it’s important to get the name of the person you’re speaking with. This will help you keep your cool and make sure that any information they give you is accurate.
Ask for their direct line or email address. If possible, ask if there’s someone else in charge of this case who might be able to help more quickly than others on the team. Make sure they explain how long it might take before getting back to them.
Try to Stay Calm and Polite
You are not alone. Your insurance company has been through this before, and they want to make sure that you are treated with respect and dignity.
Don’t get angry or upset, but don’t go too far either—just stay calm and polite. Don’t say anything that could be used against you later on down the road by an attorney representing your claim (such as threatening to sue).
Give Only Limited Personal Information
When you first contact an insurance company after an injury, it’s important to limit the amount of personal information that you give out. This can help protect your privacy and keep your identity safe from harm.
Don’t provide any social security numbers or other personal identification numbers (PINs).
Don’t give out the names of family members, friends or close associates.
Don’t Get Into Details
Don’t talk about the accident. The insurance company is not interested in knowing how you got into your accident. They want an objective description of what happened, as well as a description of how bad the injuries were and how much time it will take for them to heal. If you try to tell them that they caused more damage than they thought because their car was undrivable after hitting yours, then this is probably not going anywhere good for either party involved.
Be careful when describing your injuries
When you’re talking to an insurance company, it’s important to be careful about how you describe your injuries. If you do something that causes them to take your medical information, they’ll likely want a copy of the records and possibly more details about what happened.
It’s also important not to exaggerate any symptoms or conditions in order to get more money from the insurance company. This can backfire on you because if someone thinks their claim was legit before they even get started with it, then they may just give up at some point during negotiations and move on without paying anything at all!
In the meantime, you may want to consider hiring a personal injury lawyer in Brockville, who specializes in car accident claims and personal injury cases. You’ll want someone who has experience talking to insurance companies, understands the process, can help you prepare for potential legal action or settlement negotiations with your insurer (and possibly other parties involved), and can provide guidance on what steps need to be taken next.