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5 Things to Know About Dealing With Insurance Companies After a Car Accident

Getting into a motor vehicle accident can be a very difficult situation to endure. For some, dealing with the auto insurance company after a wreck is equally as difficult.

However, there are some tricks that can make the process a whole lot easier. Read on to learn five tips for dealing with the insurance company after a car accident.

5 Tips and Tricks

#1 - Consult your attorney before providing an accident statement to the insurance company.

Insurance agents typically use your recorded statement as a possibility to gain information from you that they’re not entitled to. They may take advantage of you by using this information since they know you are not well-versed in the claims process.

The insurance adjuster you speak to may appear to be amiable and accommodating, but they most certainly do not have your best interests in mind.

It’s a good idea to have a skilled car accident attorney present when you provide your accident statement to the insurance company. They may try to ask leading questions so that you give them information that can damage your claim.

This is a common tactic used by insurance industry professionals in order to coax information out of you that benefits them.

Having your attorney by your side will not only make the process run smoother, but your lawyer will also be able to help you provide your statement in such a way that you avoid making costly errors with your claim.

Keep in mind that you have the best chances of a favorable outcome when you provide your statement with your attorney present.

#2 - You don’t have to provide your statement over the phone.

There is no rule requiring you to provide your accident statement to the insurance company over the phone. In fact, you have the following three options for providing your statement:

  1. Over the phone
  2. In writing
  3. You may ask your attorney to provide your statement for you

If you’re not good with words or you have social anxiety, it may be wise to provide your statement in writing. That way you have time to think about what you’re going to say before you say it.

If you don’t feel comfortable providing a statement at all, you may ask your attorney to provide it for you.

However you decide to make your statement, just be sure you don’t provide too much information.

#3 - If it’s inadequate, don’t take the first settlement offer.

It’s the insurance industry standard to provide an initial offer that is far lower than the amount you truly deserve, which makes it unwise to accept the first settlement proposal.

If the first offer provided to you is inadequate, don’t accept it. Tell them that you won’t accept any offer that is less than what you truly deserve.

Don’t take any offer you aren’t willing to accept.

#4 - You can use any body shop you please.

The insurance company will likely recommend a body shop for you to use for the repairs to your vehicle. Keep in mind that insurance companies often receive discounts for partnering with body shops, but the savings will not be passed on to you.

If you have a body shop that you’ve used before and are comfortable with, you are welcome to use that shop instead.

Whichever shop you go with, be absolutely certain that they DO NOT use aftermarket parts on your vehicle. Aftermarket parts are often not as durable or reliable as stock parts, which means if these parts are used in the repairs, your chances of having issues with your vehicle again in the future increase tenfold.

The insurance company cannot force you to use their suggested body shop.

#5 - Signing certain documents can hurt your claim.

DO NOT sign any documents from another person’s insurance company without first consulting an attorney. You may be asked to sign documents that you are not required to sign.

Insurance companies do this so that they have access to your personal information, even though they know they’re not entitled to it. This is a standard practice in the insurance industry. They’ll likely try to obtain your social security number and ask you to sign releases to obtain your medical or employment records.


The only reason the insurance company wants this information is so that they can build a stronger case against you. They’ll use your personal information to value your claim. Be extremely careful about the information you provide as it will most certainly be used against you.

However, your own insurance company may ask you to sign documents in order to process your benefits. You will need to do what your own insurance company asks of you so that you have access to coverages. An experienced attorney can help you decide on the documents you should sign.

Even if you think you fully comprehend what the documents are asking of you, you may not have a well-rounded picture of the claims process and the implications of signing these documents.

Don’t forget: protect yourself by having as little contact with the insurance company as possible.

We Can Help

You may be owed compensation if you’ve been involved in a car accident through no fault of your own. Don’t delay—contact our office right away with any questions you may have.

Call The Abrego Law Firm, LLC today at (404) 334-3324 to speak with an accomplished attorney about your case.