1. No lawyer will ever know your case better than you do
2. Only you can know the extent of loss and suffering
3. No one is going to fight harder for your case than you
4. You can give your case top priority regardless of how big or small it may be
5. You won’t have to worry about working with an incompetent or dishonest person
6. You know that your best interest will be top concern
7. The middleman is cut out and you won’t have to wait on back and forth communication
8. Delay tactics of lawyers are no longer
9. You won’t have to worry about being stuck in a non-working relationship
10. You don’t have to pay any attorney fees!!!!!
If you chose not to continue to deal with an insurance adjuster on your own and not get a lawyer, you have a couple of resources to resort to:
(1) Call their manager directly. Don’t just say you will call them or threaten with this, because words will NOT help you much. Speak with action. Call the manager and ask him/her to call you back on their office’s expense. Discussing the situation with the manager will upset your adjuster, which will probably NOT help much, but let’s face – they will continue to treat you in this way, so at least for now you will have the upper hand.
(2) Described your situation in a brief 1-2 page complaint and submit to your State Insurance Commissioner’s Office. While they cannot pressure your insurance for a settlement, they are obligated by law to register your complaint, contact you back and force the manager of your insurance’s local office to contact you and discuss your case. Again, this may not help you much, but it does help public records. If every mistreated customer files a complaint, the insurance will eventually have to deal with the State Insurance Commissioner on a higher level.
The first thing to do is immediately after an accident is without hesitation, go directly to the emergency room. If an ambulance is not called, then have a friend take you. If you take yourself, then the legitimacy of your physical injuries might be questioned.
While you are at the ER, be sure that you actually get to see a doctor and not just a physician assistant. If X-rays are not taken, request them without being stuck up or bossy. Also, be aware that you will be treated differently due to that most ER personal will not want to get personally involved in your case so to avoid a legal case associated with most auto accidents. So, having said this, you sometimes have to be insistent with your treatment because you may have a serious injury that could be overlooked.
The next thing to do would be to follow the recommendation of the ER physician who will more than likely tell you that if you are not feeling better within the following “x” days, you should see your personal physician.
Regardless of whether you have a personal physician you should make sure you see an MD as opposed to an OD or chiropractor whom are not taken as seriously by insurance companies. However, this is not to say that after you see an MD you cannot go to a chiropractor. If possible and you are suffering with a soft tissue damage and have intentions of going to a chiropractor, get your MD to recommend one to you so this conversation will go in your medical records. This will come in handy in the future when the insurance company attempts to say they will not pay because you are not seeing an MD or physical therapist.
1. Make sure you are okay. Your health is first priority.
2. Call the police so there can be an official report – remember if the wreck is honestly not your fault do not say you’re sorry or this could latter be understood as fault.
3. Take a quick picture with your phone – even if a car has come to a stop and the driver gets out they sometimes freak out and still leave the scene.
4. Exchange info making sure they are who they say they are. Ask for a drivers licence and not just take their word that they are “John Doe”. If they are illegal or a criminal at large, they don’t want you to have their real identity and may give you the name of whom the car they are driving is registered to for example. Also, if they give you a cell number, make sure you call it and it rings the phone if their possession.
5. Take more pictures. It is always funny that if you have plenty of pictures of the damages, the insurance company never needs them, but if you don’t have pictures they are all the sudden a must.
6. Stay on the scene until you are allowed to seek medical attention. It is always the best policy to get checked out just in case because of all the emotions and adrenale going through your system.