What Makes Car Insurance Claims Hard Without Auto Accident Legal Representation?

Car Insurance Companies Want to Save Money

Car insurance companies are for-profit entities. That means that they are “helping” their policyholders in order to make money for their shareholders. Their goal is to save as much money as possible, and one way they do that is to attempt to settle as soon as possible with lowball offers to car accident injury victims. If you attempt to negotiate with them without an attorney, they may attempt to strongarm you or get you to sign things that affect your rights as a victim. They may even use shady tactics to get you to accept a lower offer than you deserve.

There are a lot of things that can make a car insurance claim hard without auto accident legal representation, and each of them falls on the victim.

In The Article

What You Say Matters

After an accident, the car insurance company will reach out to you. You may get a call from your own insurance company as well as the other driver’s insurance company. What you say in these phone calls really matters and can highly affect your car crash claim.

What Not to Say to the Insurance Adjuster After a Car Crash

In order to protect your rights, never accept responsibility for a car crash, especially to the insurance adjuster who calls you. It’s important to know your rights. You don’t have to answer all their questions, and if you have an attorney, you can direct the insurance adjuster to your attorney in order to ensure they say the right thing.
If you accept fault, you may not see any kind of compensation for your injuries and losses after a car crash.
As you speak to the insurance adjuster, they may seem like they’re your best friend. They may try to show that they care about you and want to get you the most compensation possible. It’s a trap!

Beware of false friendliness in these situations. Things to avoid saying when talking to your insurance adjuster include:

• I feel fine
• I don’t think I’m injured that bad
• It’s getting better
• I was stupid (when driving)
• I wasn’t paying attention
• I looked away for one second

The very best thing you can say to an insurance adjuster is, “I’m getting a car accident lawyer, and I will happily connect you with them when I get their information.” This will give you the chance to find an attorney who will fight for you.

Proving Liability in a Car Insurance Claim

If you wish to fight the insurance company on your own, you may find that you have to prove that the other driver was at fault. This can be very difficult in some situations, especially if there were few witnesses to the accident and there is no dashcam footage that can prove fault.
Additionally, you will need to collect your own evidence to prove that the other party was at fault for the crash, which can be difficult, especially if you are trying to recover from physical injuries after the wreck.

What Evidence is Needed to Prove 100% Liability in a Car Crash?

Evidence to prove that you weren’t at fault for the car accident can include:

• Your car’s tracking data (can prove how fast you were driving, if you hit the brakes, the point of impact, and more).
• The other driver’s car tracking data
• Security footage that caught the car crash
• Eyewitness statements
• Medical bills
• Pictures of both vehicles (which can prove point of impact)
• Police reports
• Cell phone records (yours and the other driver’s)

A strong New Mexico car accident lawyer can help you collect evidence to build your case, which can help you fight insurance companies.

The Insurance Companies Are Watching

If you claim you have an injury that stops you from working, insurance companies have been known to send private investigators to follow claimants to see if they are really injured. The sad truth is, many of us will try to tough it out, and work through our injuries, further injuring ourselves. If you have been injured and you are claiming you can’t work, it’s essential that you DON’T WORK. Don’t change your oil in your car. Don’t lift heavy objects. Follow doctor’s orders religiously. Never force yourself to do things that hurt you.

If the insurance company is surveilling you, and you take the garbage out just once, you may lose every chance of getting compensated properly… and guess what? You’re still injured.

Additionally, car insurance companies may attempt to find your social media accounts to see if you said anything about the wreck. Be sure to remain silent on social. Don’t tell your story until you’ve gotten your compensation. Don’t show pictures or post things that could compromise your case.

Missing Deadlines and Complex Paperwork

One of the biggest reasons that car insurance claims are so difficult without an attorney is that the paperwork is complex and the deadlines are set in stone. Mountains of paperwork and medical bills can be overwhelming to a lot of people, but not to car crash attorneys. That’s literally what they do. They ensure that everything is met by specific deadlines and that all the paperwork is in order to build your case properly.

How to Find Auto Accident Legal Representation in New Mexico

If you’re looking for the best car accident lawyer in New Mexico for your case, Ron Bell Injury Lawyers is ready to take your call and answer any questions you have about how we approach car insurance claims after a car wreck. We do all the heavy lifting and want to ensure that you get the help and representation you need to get the compensation you deserve. Call today for your free case evaluation. 898-BELL