Common Insurance Claim Mistakes

Trusting Your Insurance Agent

When someone is injured in a car accident, many turn to their insurance agent expecting support only to discover that the relationship is “just business.” Although disheartening, insurance agents and their company invariably act in their own best interests with an eye on their bottom line. Trusting an insurance agent is a common insurance claim mistake. If you are seriously injured in a car accident it is important to seek the help of a personal injury lawyer who will vigorously represent you.

Not Seeking Expert Legal Advice

Following a car accident a policy holder will file an insurance claim. However, if there are injuries or significant property damage, it is advisable to contact an experienced personal injury lawyer before speaking to an insurance agent so that you understand your legal rights. Anything you say “can and will be used” to inform the insurance claim so discussing your case with an attorney before talking to an insurance claims adjuster is key.

Accepting a Low Settlement

Many injured parties accept the first offer the insurance company – one they hope you will readily accept. If you are in doubt, it is much better to run you situation by an experienced personal injury lawyer who will be able to advise you if the sum you are being offered is fair and what steps you can take to increase the offer. Remember that when you settle an insurance claim, you cannot turn back if you later realize it was not adequate to cover your future medical expenses or lost wages. A personal injury lawyer knows what is fair and will pursue maximum compensation on your behalf.

Bypassing Medical Treatment

In an injury accident, it is critical to seek medical attention immediately following the accident. Too many accident victims try to stoically brush off the pain and continue after what may seem like a minor injury, but it is important to understand that injuries may worsen in the days and weeks following an accident. Having a medical care professional document even minor injuries following an accident can help you recover damages if your condition deteriorates. Before working with an insurance claim adjuster, it is important to seek medical attention to inform your claim.

Contact Our Car Accident Lawyers for Help

When you are injured in a motor vehicle accident in Iowa, we are here to help you pursue fair and just compensation for your losses. Contact us today online or by telephone at 515-244-1473 to arrange a free initial consultation with a Des Moines car accident attorney.