After an accident, dealing with insurance companies often becomes one of the most frustrating parts of the entire process. While insurance adjusters may sound polite and helpful, their job is to protect the insurance company, not to protect you.
If you are involved in a personal injury accident in Roswell or anywhere in New Mexico, you need to approach every conversation with an insurance company carefully. What you say and do can have a major impact on your ability to receive fair compensation.
The Insurance Company Is Not On Your Side
Many people assume that insurance companies exist to help them after an accident. The truth is, they are businesses focused on minimizing payouts. Their representatives are trained to gather information that may be used to reduce or deny claims.
Even simple statements can be used against you later. This is why you should always be cautious and avoid providing detailed statements without first speaking to an attorney.
Do Not Admit Fault
When you speak to any insurance adjuster, never admit fault or take responsibility for the accident, even partially. You may not have all the facts at that point. There may be other factors you are not aware of, such as another driver’s negligence, a mechanical failure, or unsafe road conditions.
Fault is often a complex legal question that requires a full investigation. Let your attorney handle discussions about liability and responsibility.
Do Not Give a Recorded Statement
Insurance adjusters often request recorded statements shortly after an accident. They may present this as routine, but you are under no legal obligation to agree.
Providing a recorded statement without legal guidance can create unnecessary risks. You may accidentally say something that can be misinterpreted or used to weaken your case later.
If an adjuster asks for a recorded statement, politely decline and refer them to your attorney.
Do Not Accept the First Settlement Offer
Insurance companies frequently offer quick settlements to accident victims. These offers are usually far lower than the full value of your claim. They know that people are often overwhelmed, facing medical bills, or missing work, and may feel pressured to accept whatever is offered.
Once you accept a settlement, you typically waive your right to pursue additional compensation. This is why it is so important to fully understand the value of your claim before agreeing to any settlement.
An experienced personal injury attorney can calculate the full extent of your losses, including:
Medical expenses
Future medical care
Lost wages
Loss of future earning capacity
Pain and suffering
Emotional distress
Let Your Attorney Handle Communication
One of the most effective ways to protect yourself is to allow your attorney to handle all communication with insurance companies. Your attorney knows what to say, what not to say, and how to negotiate for the full amount you deserve.
By having legal representation, you reduce the risk of saying something that may harm your case. You also show the insurance company that you are serious about receiving full compensation.
Keep Records of Everything
After the accident, keep detailed records of:
Medical appointments
Prescriptions
Out-of-pocket expenses
Missed work days
Any communication with insurance companies
Good documentation strengthens your case and helps ensure that no expenses or losses are overlooked when calculating your damages.
Do Not Post About the Accident on Social Media
Insurance companies often monitor social media for posts related to your accident or injuries. Avoid sharing any information online that could be twisted to suggest that your injuries are not as serious as claimed. When in doubt, stay off social media until your case is resolved.
Get Help from an Experienced Personal Injury Attorney
You should never feel like you have to take on an insurance company alone. They have teams of adjusters and attorneys working to protect their bottom line. You deserve someone working just as hard to protect your interests.
If you have been injured in an accident in Roswell or anywhere in New Mexico, contact our office today. We will review your case, deal directly with the insurance companies, and fight to secure the full compensation you are entitled to receive.
