Omaha, NE – When you’re involved in a car accident, your first thought will be to the insurance company that’s going to help you out. Or at least that’s what you think. Time to dispel that notion. The guys at the insurance company are not your friends and they don’t have your best interests at heart.
If you are injured in an accident, you’ll have to notify your own insurance company first. Later on, you’ll have to file a claim against the other driver’s insurance. In some cases, an adjuster from their insurer will contact you soon after the crash to assess the situation. No matter who you talk to, say very little. If it was a serious accident and you have considerable damages to recover, get yourself a good Omaha car accident lawyer and let them handle all communications with the insurance people.
Here are a few things you should never tell an insurance adjuster
Never admit to any fault for the car accident
Nebraska follows a modified comparative negligence rule. If the insurance adjuster determines that your fault for the crash is 51% or higher, you are barred from recovering damages. Don’t admit to making any risky maneuvers. Also, you should never say you were tired at the time of the crash or you’d had a bad day at work. Don’t tell them you were bothered by your kid crying in the back seat or fiddling with the radio. You may be accused of being distracted, which means you were negligent. Even if you’re not barred from recovery, your damages will be reduced by a percentage corresponding to your part of the fault.
Don’t say you feel fine
Insurance people have a way of sounding very sympathetic over the phone. If you talk to one of them, never tell them you’re fine. Maybe you don’t want to go into details or maybe you’re trying to put on a brave face. This is not a good time to be brave. Tell them if you bumped your head or your back hurts. This way they won’t be able to argue you sounded OK and that you may be faking it.
Don’t speculate about a diagnostic
You’re not a doctor. You don’t know if the pain in the back is just a bruise or a sign of a more serious injury. Let a doctor decide. You should see a doctor in the next 24 hours if you don’t want to compromise your chances to be fully compensated for your injuries.
Don’t tell them you’ve stopped taking the medication prescribed
Many people will stop taking some of the medicines prescribed if they think they don’t need them anymore or if it makes them feel sick. Don’t ever tell that to the insurance adjuster as they will use this as an argument you felt OK so your injury wasn’t all that serious.
Don’t give a recorded statement about the car accident
No matter what the insurance adjuster tells you, you don’t have to give them a recorded statement. You should never do that after an accident while you’re still in shock or in pain and you may say things you don’t actually mean.
If you were recently injured in a car accident in Nebraska, schedule a free consultation with a knowledgeable attorney at the Rensch & Rensch Law firm, with offices in Omaha and Columbus. Their attorneys work on a contingency fee basis, so you don’t owe them anything unless they win your case.
7602 Pacific St #102, Omaha, NE 68114
1470 25th Ave, Columbus, NE 68601
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