Ben Padgett Law : : Don’t Talk to the Insurance Company After An Accident by Yourself

Don’t Talk to the Insurance Company After An Accident by Yourself

Hire a Lawyer First. Hire Ben Padgett Law

After a car accident, you will feel a rush of emotions. It’s part of the stress of an accident. In this moment, try to remember this legal advice: Do NOT talk to the insurance adjuster by yourself. Do NOT give a recorded statement by yourself.

After an accident, someone has to talk to the insurance company to report the accident. That does not need to be you. It should be Ben Padgett Law talking to the insurance company to open the insurance claim on behalf of you. Yet, if you do choose to call the insurance company, remember what you say to the “friendly” insurance agent Can and Will Be Held Against You when it comes time to pay money for your injuries. If you hear the words “Recorded Statement” come out of an insurance agent’s mouth, Be Careful!!

To understand why, you must understand what happens after hiring an attorney. (Of course, we recommend hiring Ben Padgett Law as your accident attorney).

Once you become a client with Ben Padgett Law, we will talk to the insurance company for you. Your job is to rest and get the medical help you need. We will open the claim and give just the right amount of necessary information to the insurance adjuster. We never lie to insurance companies but giving too much information can be just as bad as lying. Hiring a professional to hit just the right balance during the claims process is crucial to your success.

Ben Padgett Law will prepare you so that you what you need to do and say for a recorded statement with the insurance company.

At some point, the adjuster may want to hear from you, their insured customer. This is the dreaded “recorded statement” time where the insurance company will ask you questions about what happened and take a voice recording of your answers. Ben Padgett Law will guide you about what to say and what not to say. In some instances, we may do a conference call to be by your side during the recorded statement. We prepare you so that you know what you need to do and say.

If your accident happened in a way that causes doubt about who caused the accident, the insurance company will use your recorded statement, the police report, witness statements, photos from the accident, and any other evidence to decide who caused the accident. This may not be a fast investigation process. During this process, they will go through the details of your recorded statement to usually try to find reasons to pay as little money as they possibly can. That’s what insurance companies do. They don’t stay in business to pay out generous amounts of money. They want reasons to refuse to pay any money (denying your claim).

If you did cause the accident and assuming you did not confess to the insurance adjuster as if they were your priest at church, there may still be hope. The insurance investigation works to assign a percentage of liability to either party…meaning, you might only be 10% at fault and not 100% at fault of causing the accident. This is where hiring Ben Padgett Law pays off. We fight and negotiate hard for you to get your percentage of fault as low as possible.

After liability is determined, we go through a process of negotiations with the insurance company. If you followed our advice, this can go smoothly. If you said the wrong thing to police or the insurance adjuster, expect this road to have bumps. At Ben Padgett Law, we have handled many cases and we have developed our own secret strategies and solutions for a challenging case, so don’t worry.

Your Settlement Check can cover car crash damage, property damage, lost wages from work, medical bills, and your pain and suffering.

Your percentage of liability and other facts directly impact how much settlement money the insurance company is willing to pay for your damaged vehicle, other property damage, lost time or lost wages from work, pain and suffering, and medical bills. Ben Padgett Law works to get you as big of a settlement as we can. Since we have experienced our own car accidents with pain and suffering, we deeply understand the difference in your life that a good settlement can make. It can help restore what was broken or help you adapt to a new reality. A car accident is a journey traveled under painful circumstances and we want to help make that journey as easy and short as possible so that you can move forward with your future.

So, what are you waiting for? Call Ben Padgett Law. Start with a free appointment and we can start the journey together.