Dealing with a car accident is stressful enough without worrying about whether you’re doing everything right to get the settlement you deserve. Unfortunately, even small mistakes can cost you thousands of dollars—or worse, leave you settling for far less than what your case is worth.
I get it; managing insurance claims and settlement negotiations feels overwhelming, especially when adjusters seem friendly but have a job to save their company money. That’s why we are here to help. Whether you’re considering working with a seasoned car wreck lawyer in Austin, TX, or tackling things on your own, avoiding these 11 common mistakes can save you time, stress, and money.
Let’s walk through each one so you’re better prepared to protect your claim and secure the settlement you deserve.
1. Hiding Past Claims from Insurance Adjusters
Insurance companies have access to a database of your claim history. Trying to conceal past claims can undermine your credibility.
Adjusters use your date of birth, address, and name to run background checks.
So, be upfront and honest about your claim history to avoid unnecessary complications in your car accident case.
2. Demanding a Specific Settlement Amount Too Early
Avoid stating a specific settlement figure upfront unless you’re sure of the insurance policy limits and your case’s worth.
If your injuries are severe, like requiring surgery, it’s best to let the insurance company make the first offer.
Prematurely asking for a low figure caps your potential settlement amount. Always consult with an Austin car accident lawyer to know what your car accident claim is worth.
3. Falling for Adjuster Tactics
Insurance adjusters are trained negotiators. If they propose a settlement, ask, “Do you have the authority to offer that amount now?” Always get car accident settlement offers in writing to ensure accountability, especially since adjusters may change during the claim process.
4. Believing Everything the Adjuster Says
Insurance adjusters may appear friendly, but their goal is to save money for their employer. Negotiations are like poker—never reveal your “hand.” Be cautious when discussing settlement ranges or specific figures. An experienced car wreck lawyer in Austin, TX can help you manage these discussions strategically.
5. Failing to Provide Key Information
Adjusters often request documentation like medical estimates or surgical costs. Failing to provide these can slow your case or lead to undervalued settlements.
For instance, providing surgical cost estimates can significantly increase the offer, as seen in some cases where settlement offers jumped from $15,000-$20,000 range to over $1,00,000.
6. Being Rude to Adjusters
While you don’t need to be overly friendly, maintaining a professional demeanor can help your case move along more smoothly. Adjusters handle many files, and being polite makes it easier for them to focus on your claim.
Assertive yet respectful communication often yields better results.
7. Relying Solely on Verbal Descriptions of Pain
Car insurance companies rely on medical records to validate your pain and suffering due to a car accident in Austin. If your medical records don’t document your complaints, verbal statements won’t hold weight. Regularly visit your doctor and ensure all your symptoms are recorded accurately. This is among first things a car wreck lawyer in Austin, Texas will advise you to strengthen your case and maximize your settlement.
8. Failing to Mention the Cause of Your Accident to Doctors
Always inform your healthcare providers about the cause of your injuries. If you don’t, insurance companies may argue that your injuries weren’t caused by the accident.
Mention the accident during every medical visit (yes, its very important), especially if you didn’t seek immediate care after the crash.
9. Not Providing Insurance Information to Healthcare Providers
Ensure your hospital or doctor has both your auto and health insurance details right away. This prevents delays in billing, helps you understand what you owe, and streamlines the settlement process. Missing this step could lead to unnecessary complications.
10. Delaying Requests for Medical Records and Bills
Request your medical records and bills as soon as possible. These documents provide the evidence needed to validate your claim. For instance, detailed hospital records go beyond discharge summaries, highlighting the severity of your injuries and supporting your case.
11. Not Consulting an Attorney
Even if you’re confident in your negotiation skills, consulting with an experienced Austin car accident lawyer can uncover potential pitfalls and strategies you might overlook.
They can guide you through complex cases, especially when significant injuries or high-value claims are involved.
Final Words
Avoiding these common mistakes can make a significant difference in your settlement outcome. Whether you’re dealing with insurance adjusters or exploring your legal options, working with a car wreck lawyer in Austin, TX ensures you have an advocate in your corner.
For personalized advice and assistance with your case, consider consulting an experienced attorney who can guide you toward a faster and more favorable resolution. Don’t let mistakes limit your settlement—take control of your claim today!