Insurance companies are involved in nearly every auto accident. Whether it is your own insurance company or that of another party, you will likely be asked to deal with an insurance company after an auto accident. There are several things you should know about dealing with insurance companies following a car accident, regardless of the circumstances or severity of the accident.
- It is highly recommended that you consult with an Illinois auto accident lawyer before communicating with an insurance company. Although your own insurance company may claim to have your best interests at heart, all insurance companies are in business to make a profit and, as such, they often apply a formulaic approach to auto accident claims without taking into account the specific circumstances of a claim. A knowledgeable Chicago car accident attorney like those at Ankin Law Office, LLC can inform you of your legal rights and communicate with the insurance companies on your behalf in order to advocate for a full and fair financial recovery.
- Many insurance policies require that a policyholder cooperate with a claim investigation. Accordingly, you are obligated to inform your own insurance company of the auto accident within a reasonable amount of time and to cooperate with their investigation. If your insurance company requests a recorded statement, it is highly recommended that you consult with your attorney prior to giving a statement or that you have your attorney present while you give your statement.
- You may also be contacted by the other driver’s insurance company. You are under no obligation to provide the other driver’s insurance company with a recorded statement and you should decline to do so. Insurance adjusters often pressure people to provide them with information that will make it easier for them to pay as little as possible.
- Take your time in responding to questions. Injured persons often want to be helpful with a claim investigation, but it is important to take your time and answering any questions asked by an insurance company. Recorded statements can be used to refute any subsequent evidence that is provided at trial and to impeach a claimant’s credibility.
- You must accept an insurance company’s claim settlement or file a personal injury lawsuit within a specific amount of time. You should consult with a knowledgeable Illinois car accident lawyer before accepting any insurance settlement. In Illinois, claims involving bodily injuries must be settled, or a lawsuit must be filed, within 2 years of the date of the accident. Property damage claims must be settled, or a lawsuit filed, within 5 years of the date of the accident.
At Ankin Law Office, LLC, our Chicago auto accident lawyers focus on helping the victims of auto accidents obtain full and fair financial recovery. Because we focus on auto accident cases, we are familiar with the defense tactics of insurance companies and can effectively communicate with them on your behalf. Communicating with insurance companies – whether your own insurance company or another driver’s insurance company – can be difficult in many situations. We will deal with the insurance companies so that you don’t have to. Moreover, we will inform you of your legal rights so that you can properly respond to any insurance companies’ requests for information.
If you were injured in an Illinois auto accident, contact our office at (312) 600-0000 to schedule a free consultation with one of our skilled Chicago car accident lawyers.