Five Tips For Dealing With Your Insurance Company After An Accident

A back end collision between two cars who will deal with their insurance company

If you’ve ever been in a car accident, you know what a stressful situation it can be. You end up relying on your insurance company like you never have before. You go from thinking about them every six months – when your write a premium check – to weekly, even daily, phone calls or visits from claims adjustors asking the same questions over and over again – “how fast were you going when the impact occurred?”

If you were in a fender bender and no one was injured, you may only need to get your car into a collision repair shop for a few days. If you were unlucky enough to have been in a serious accident, you might be looking at weeks (or even months) of doctor visits, physical therapy, extensive vehicle repairs or even shopping to replace a totaled vehicle.

Whatever the extent of the accident, we’ve compiled a list of a few things to keep in mind when you’re dealing with your insurance company:

  • No matter how amusing their commercials are (no offense, Flo, or that Gekko, whatever his name is), remember that auto insurance is a multi-billion dollar industry – insurance companies exist to make money, not friends.  
  • Consider hiring an attorney, especially if you’re facing medical bills or physical therapy. They have experience dealing with insurance companies and their interests mirror yours – getting the most money possible, in the end. Just make sure you steer clear of ambulance chasers – do your research and sign on with a reputable firm.
  • Never accept the insurance company’s first offer. They know you need money and are vulnerable after a crash. They also want to settle your claim as soon as possible at the lowest cost to them.
  • Don’t give up. Many times, an insurance company will “lose” your paperwork, shift your claim to someone else, or not return calls – all part of an effort to wear you down. This is where it can pay off to work with an attorney, allowing them to deal with the hassle.
  • Be wary of signing paperwork. If you’re using an attorney, have them review everything first. If you’re dealing with things yourself, make sure you understand everything before signing. Don’t be afraid to ask questions and stand up for yourself.
  • Deal with a reputable collision repair facility, like Ric’s. We have handled hundreds of claims and will go to bat for you and your vehicle, ensuring it’s repaired correctly. We know how to deal with insurance companies and will fight to make sure you’re treated correctly.

For more than 35 years, Ric’s Body & Paint has been getting drivers back on the road after accidents. Reviews like these demonstrate our commitment to delivering five-star customer service. While we hope you’re never in an accident, we would consider it a privilege to repair your vehicle if you ever do require our services.

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