After your Cedar Rapids car accident, you may want to put it behind you as quickly as possible and move on. However, it is important to not rush into signing any paperwork the insurance company puts in front of you. The insurance adjuster isn’t exactly trying to cheat you, but she does hope you will accept an early, low settlement and sign away your rights to demand more money. Insurance companies do this because they have their profits—not their policyholder’s wellbeing—in mind.
Here’s what you need to know before signing any insurance claim papers following your Iowa car crash:
Seek medical attention. It is critical for your own wellbeing and for your potential personal injury case that a doctor evaluates you as soon as possible. However, insurance adjusters may attempt to pay your medical bill on the spot by asking you to fill out a release form to collect compensation for that doctor’s bill. Do not do this, as you will waive your rights to collect any other compensation related to this accident. Instead, you need to be patient and wait to make sure that no serious injuries surface in the next several days and weeks before settling your claim.
Gather paperwork. This includes your medical expenses, hospital bills, physical therapy, prescription costs, lost wages, travel expenses to get back and forth to the doctor, damage to your vehicle, and any other expenses related to your accident injury claim. By gathering all of your documentation and adding up all of your expenses, you will know what your claim may be worth. Remember that the first settlement offer the insurance company provides you will never be a fair one, so do not sign any paperwork without negotiating.
Talk with an attorney. Insurance companies prey on your vulnerability and the fact that they know you need money fast to fix your car and get medical care, so they offer you a low-ball offer. However, when you have an experienced Cedar Rapids personal injury lawyer involved, an attorney will know the full value of your claim and will fight the insurance company to get you the compensation that you deserve. Call Hupy & Abraham today toll free at (800) 800-5678 and have a lawyer look over any paperwork from the insurance company to properly advise you. Ask how you can get a FREE copy of our client handbook, The Ultimate Guide for Automobile Accident Victims, with no obligation.