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A Few Extremely Crucial Questions About Ones Car Accident Settlement
You're in an accident and there has to be a car accident settlement. You're dazed as well as perhaps injured. Your car is a pile of junk. Stress and bills are mounting. Then your insurance adjuster shows up, to ask certain questions for the settlement amount. That seems reasonable, right? After all, asking questions is part of what they do.
Be cautious. Here are three relevant questions that in case you answer shortly after the accident, you might reduce your settlement amount.
Question 1: Could you have avoided the car accident? How?
This is a tricky one. Perhaps you weren't paying attention as much as you should have (darn that cellular phone ringing). Perhaps you did every-thing right and circumstances were beyond your control (a tire blow-out is one example of this).
In either case, it's best to not answer this question right away. What should your answer be? Some-thing like, "No, I couldn't have prevented the accident." Despite the fact that it was possibly your fault, you need time to think it all through, instead of blurting it out right away.
Question 2: Do you have the names and phone numbers of the witnesses?
Yes, you should have gotten this information at the time of the accident. No, you shouldn't provide this info to anyone apart from the police or even your attorney, at least not right away. The witnesses must have given a statement to your attorney or the police before you give the names as well as phone numbers out. Why?
Sometimes adjusters will call the witnesses and attempt to cast doubt on what they saw, or even what they think they saw. Therefore witness statements need to be taken before the adjuster gets the information. Remember, the adjuster works for the insurance company, not for you.
Your answer needs to be, "There might have been, but I will need to check and see, and after that give you a call back."
Question 3: Did you have injuries prior to your accident?
The reply to this one should be a quick but firm, "That information ought to come from my medical records, so I need to consult with my doctor and get back with you." Medical records can't be released to just anyone, unless you've already omitted that right beforehand. The adjuster can not get that info unless you specifically authorize it.
You should protect your rights, and get the amount you are due for your car accident settlement. Just remember these three questions, but I hope you never need to make use of them!
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