The safest drivers still get into car accidents. The emotional and physical damage you receive might cause you to make rash decisions that affect you for years to come.
The following three misconceptions might prevent you from receiving compensation for your car accident. To avoid making a serious financial error, continue reading this article.
1. I can rely on my insurance company
Since you pay your insurance company, you may think they have your best interest at heart. Unfortunately, most insurance adjusters look for a quick settlement. Settling for the first offer might be perfectly acceptable for your insurance provider, but not nearly enough to cover your medical bills.
2. I can give a statement if it is not my fault
When you speak with your insurance adjuster, they may press you for a statement. Even if the accident is not your fault, you probably should not tell them more than the basic facts. You might say something that reduces your settlement.
3. I do not have to call the police
Virginia law requires you to bring the vehicle to a complete stop and call the police if any property damage, injury, or death occurs. If you do not, it looks bad for a potential settlement but also puts you at risk of criminal charges. Even if no one received an injury in the accident, you must report accidents that cause any amount of property damage.
Dealing with insurance adjusters and the police is complicated. If you do not have the knowledge or experience required, keep your interactions to a minimum. Let professionals speak for you to maximize the compensation you can receive. If you neglect your right to compensation, you may pay for medical bills out of your pocket when you do not have to.