Everything You Need to Know About Semi Truck Insurance
Most Americans don’t know how to deal with insurance companies after an accident. This is one reason why many people accept a lowball compensation insurance companies offer after a semi-truck accident.
And this is due to no fault of the victim. It’s human nature to look for the best in people and believe what others tell us. However, this doesn’t always work in our favor, especially when dealing with insurance companies after a semi-truck accident.
If you or a loved one has been injured due to the negligence of a semi-truck driver, their insurance company is liable to cover the damages you suffered. These include hospital bills, lost wages, and emotional damage, among others.
If you’re like most people and don’t know how to negotiate with a semi-truck insurance provider to claim the compensation you deserve, connect with the experts at Royce Injury Attorneys. Our team of qualified and experienced lawyers will put up a fight for you to ensure you get compensated for the damages you suffered fairly.
However, if the insurance company has already gotten in touch, here are some tips to keep in mind while dealing with them:
Don’t be deceived when dealing with an insurance company after a semi-truck accident
It’s expected of insurance providers to say they understand what happened to you and they’re sorry that it happened. However, if you believe every word they say, the chances are that you’ll readily prey to their tactics.
When interacting with an insurance provider, keep in mind that their job is to make you accept as little as possible. Hence, the quicker you agree to sign on the dotted line, the better for their career.
But you can avoid buying into the deceit by keeping in mind that the insurance companies will always protect their interests over yours. However, doing so won’t always be easy—they’re professionals and have already dealt with many people like you. Hence, seeing through the deception won’t be a piece of cake.
So it’s best to have the experts advise you before agreeing to anything the insurance providers say. Take everything the insurance company says with a grain of salt and make sure to dial your attorneys before even verbally agreeing to an offer.
Don’t share too much information about the semi-truck accident
One of the most common mistakes you can make while speaking to the insurance company after an accident is sharing too much information with them. But how much information is too much?
We’d say it’s best to avoid giving them any information without the presence of your lawyer. The job of an insurance adjuster is to investigate the accident and get you to settle for as little as possible.
The most clear-cut way for them to do so would be to have you accept that you haven’t been severely injured or the accident hasn’t caused much damage. And make no mistakes, they’d go to great lengths to prompt you to say something that could potentially weaken your case.
They’d act friendly with you, making you want to believe they can be trusted. Once you start speaking more openly with them, they’d wait for you to inadvertently volunteer information that could potentially damage your claim.
If they have recorded claims, they’d compare the claim to everything you say, waiting for the slightest discrepancy to appear and use it against you. Keep in mind that they have plenty of experience talking to victims and getting them to say things to use against them. Hence, it’s best to have qualified negotiators like our semi truck accident attorneys by your side when speaking to an insurance provider.
Do not sign any documents concerning semi-truck insurance without an attorney
When downloading an app or buying an appliance, how often do you read the terms and conditions before agreeing to them? If you’re like most Americans, your answer would be, ‘almost never.’
While that could be harmless in most cases, keep in mind that skimming through the papers an insurance provider offers without reading and understanding the jargon can cost you a lot in the long run.
Take a medical release form, for example. If you agree to let the insurance provider have access to your medical release form, you’ll be allowing them to use any and all of your medical history against you.
They can take the information available to them and claim that the injuries you’ve suffered are actually a result of underlying or past health conditions. You’d be surprised at how smoothly they can twist the facts and turns the table on you.
Hence, it’s best to avoid signing any documents without an attorney by your side. Your lawyers will have the knowledge and expertise to deal with the situation and help you steer clear of any pitfalls the insurance providers may have prepared for you.
Contact Royce Injury Lawyers for a free consultation
If you’re in Kansas City, looking for a semi-truck accident attorney to protect your rights and have your back in front of the insurance providers, reach out to us.
With over 30 years of combined legal experience, our team is well-versed in dealing with insurance claims after semi-truck accidents. Our team of qualified and experienced attorneys makes sure you aren’t taken advantage of with leading questions and disingenuous requests.
We’ll do everything we can to ensure you get the compensation you deserve for the damages you sustained. Every case is important to use, and we go the extra mile to ensure no details of your case fall through the cracks.
For more information on our services and a free consultation session, feel free to get in touch!
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