​Dealing With Insurance Companies After an Accident

​Dealing With Insurance Companies After an Accident

Recovering your health should be the first priority after you get hurt in an accident. But physical and emotional recovery can come at a significant financial cost. Affording your expenses often means dealing with or (let’s face it) fighting with insurance companies.

Unfortunately, you cannot simply file a claim and expect full payment from your and the at-fault party’s insurance companies. But that’s rarely how things work. Often, it takes the services of an experienced personal injury attorney to secure the money you deserve.

Let’s look at how insurance works after an accident, the risks of dealing with insurance companies directly, and what a lawyer can do to ensure you get paid for your losses.

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Accident Insurance Overview

Insurance enables us to manage the risk of future harm. We pay premiums in exchange for the insurance company’s promise to pay certain costs and losses, up to an agreed maximum amount, in the event of an accident that harms us or someone else.

Some common insurance coverages triggered by a motor vehicle accident are:

  • Your own auto insurance, which commonly covers damage to your vehicle
  • Your own health insurance, which may cover some of your medical care
  • Your own personal injury protection (PIP) insurance (required in some states), which covers your accident-related medical care and lost wages
  • An at-fault party’s auto or commercial liability insurance, which covers all types of accident-related damages you suffered because of their wrongful actions

You may have the right to turn to several of these (or other) types of insurance to pay for your injuries and losses in an accident. Sometimes, insurance coverages can overlap, and the insurers or courts may need to decide which among them has an obligation to step up first to pay for your care and needs.

Obtaining payment from an insurance company typically involves submitting a claim under a policy the company issued. Insurers normally react to a claim by appointing an employee known as an adjuster to investigate the claim, verify its validity, and decide (or make a recommendation) whether and how much to pay the claimant. If an insurance company refuses to pay a claim, the claimant can seek to force payment by taking the insurer to court.

When liability insurance is involved, the claimant may sometimes skip submitting a claim and sue the insurer’s policyholder for damages right-off-the-bat. This is common, for instance, when the party at fault for an accident refuses to acknowledge their role in an accident or to disclose who their insurer is.

Risks of Dealing With Insurance on Your Own

You probably will not be able to avoid having some contact with insurance companies after an accident. For example, you may have to make a prompt report of an accident involving your car to your auto insurance company as a requirement for making a claim.

Still, you should not seek to have more contact with an insurance company than you absolutely must. Why? Because insurance companies—even ones to whom you pay a premium every month—would prefer not to pay for your losses after an accident.

Given the opportunity, they would much rather hold on to the money they’ve collected from you and their other policyholders to boost their profits. And they’ll try to find or create that opportunity whenever they can, sometimes using aggressive, high-pressure tactics.

Here are some of the dangers of dealing directly with an insurance company—especially someone else’s—after an accident.

Defective Claims

Insurance companies may take advantage of any mistake you make in submitting a claim. If you miss a deadline for notifying your insurer, your delay could serve as a basis for denying your request for payment. So could misstatements of details of your accident (time, date, parties) or descriptions of what happened that raise questions about whether an insurance policy covers your injuries.

Recorded Interviews

An insurance adjuster assigned to your claim or the claim of an at-fault party may ask you to give a recorded statement about the accident. Only agree if you’re absolutely sure you have an obligation to do so. Your own insurance policy might require it (be sure to read the fine print), but in most cases, you do not have any obligation to give a recorded statement to someone else’s insurance company.

Giving a recorded interview to an insurer is dangerous because adjusters will use it to ask you loaded questions and manipulate your responses. Their goal will be to get you to say something that harms your claim, such as admitting fault or downplaying your injuries. Because the interview is recorded, any mistakes they get you to make can be used as a reason to deny your claim or even as evidence against you in court.

Medical Records Waiver

An insurance company that has issued a policy potentially covering the costs of your accident-related care or income loss may ask you to sign a waiver (or release) giving them permission to review your medical records. They’ll make the request sound sensible—after all, if you’re asking them to pay your medical bills, it’s only fair for them to learn about your health conditions, right?

Not really. Insurance providers might have the right to review a limited amount of information about your injury care (the scope of that right is usually defined by the terms of the insurance policy and state insurance law). But they’ll probably ask you to give them access to a far wider swath of medical records than they legitimately need. Their goal is to find something, anything, in your medical records to support an argument that an event other than the accident caused your medical condition, which would give them a reason to deny your claim.

Lowball Settlement Offers

Insurance companies that recognize they’re on the hook for your accident-related damages may also try to trick you into agreeing to a lowball settlement offer. To be sure, they’ll dress it up as an act of generosity and goodwill. But make no mistake—any amount offered directly to you as a settlement of your pending or anticipated claim will fall far short of the amount you have the legal right to receive. Insurance companies will try hard to get you to say “yes” because if you do, you’ll be giving up your rights to demand the full amount you deserve.


Insurance providers also keenly understand that the passage of time works in their favor. The longer they can make you wait for the money you need to pay expenses, the greater their chances of getting you to cave to a lowball offer or make a mistake in pursuing your claim.

If they can draw out the process long enough, they might even succeed in lulling you into forgetting about your deadline for taking legal action, called the statute of limitations. If you allow this deadline to expire without filing a lawsuit seeking compensation for your losses, you will likely lose your right to payment altogether, and the insurance company will be able to walk away from its obligation to you without paying a penny.

Let a Lawyer Deal With Insurance for You

​Dealing With Insurance Companies After an Accident

It probably goes without saying, but you have a lot on your plate after getting hurt in an accident. You probably don’t have the time or energy to commit to dealing with insurance adjusters. And if you try, there’s a high risk you’ll make a costly mistake like the ones described above.

Instead of worrying about doing the wrong thing and giving an adjuster reasons to deny your claim, let an experienced accident lawyer handle all things insurance-related for you. Hiring an attorney relieves you of the stress and burden of preparing, submitting, and pursuing insurance claims and lawsuits for damages. It gives you the most favorable chance of securing maximum compensation and avoiding expensive errors.

Here are just some of the things a lawyer can do for you when it comes to demanding payment from insurance companies after an accident:

  • Investigate the accident to identify every at-fault party and the insurance each party carries
  • Analyze your insurance coverage and coverages of at-fault parties to pinpoint policies that cover your losses
  • Answer your insurance-related questions and advise you about making decisions that could affect your rights to claim benefits
  • Prepare and submit fully documented insurance claims seeking compensation for your accident-related injuries and expenses
  • Handle all interactions with insurance adjusters on your behalf
  • Respond to insurance companies’ requests for additional information about your claim
  • Assist you in preparing and participating in an interview, if required
  • Negotiate settlements of your claims when possible
  • Pursue legal action in court on your behalf to force insurers or at-fault parties to pay your damages
  • Collect and disburse all money due to you from an insurance company or other party

Attorneys who represent accident victims like you almost always provide these services on a contingent fee basis. That means it costs you nothing to hire a lawyer to take over all dealings with insurance companies in your accident case. An attorney will usually agree to get started without asking for an advance payment or charging you by the hour. Instead, the attorney’s fee constitutes a percentage of any money secured from an insurance company or other source on your behalf.

So, to summarize, an attorney can take the entire burden of dealing with insurance companies after an accident off of your shoulders, advancing your interests and protecting you from mistakes. And you typically won’t have to pay the lawyer a penny unless the lawyer gets you results. For those reasons, most accident victims in your shoes make the smart choice to hire a lawyer rather than handle insurance issues themselves.

What You Can Do Instead of Dealing With Insurance Companies

By leaving dealings with insurance companies to an experienced lawyer, you can give yourself time and opportunity to focus on other priorities that may advance your claim. Here are some examples.

Focus on Healing

The single most consequential step you can take after getting hurt in an accident is to seek medical care and do everything needed to heal as fully as possible. Never shrug off or ignore an accidental injury. Even seemingly minor aches and pains can signify severe trauma that could threaten your life or long-term health if not treated immediately. And only a qualified medical professional can evaluate your condition.

Seeking and following recommendations for care can also safeguard your legal rights. By going to see a doctor, you generate medical records that document your injuries and can assist a lawyer in proving a claim to an insurance company or in court. Obtaining treatment also protects you against an insurance adjuster trying to blame your health condition on something other than the accident.

Assist Your Lawyer in Gathering Evidence

You are one of the most critical sources of information your lawyer will need to make a successful claim to an insurance company or a court. By turning dealings with insurance companies over to an experienced attorney, you can free up time to help your attorney locate and secure evidence to support your claim. (Of course, assisting your lawyer still comes second to recovering your emotional and physical health)

Contact an Experienced Accident Lawyer Today

Insurance coverage plays a vital role in paying expenses after you get hurt in an accident. But that doesn’t mean you need to bear the burden of dealing with insurance companies on your own. You deserve to spend your time and energy healing and rebuilding after your trauma. You shouldn’t worry about saying the right things to insurance adjusters or preparing and negotiating a claim.

An experienced accident attorney can handle the entire process of obtaining money from insurance companies after your accident. And it probably won’t cost you a penny to hire an attorney who can begin working on your behalf immediately.

So what are you waiting for? Contact a skilled Florida personal injury attorney in your area today.

James Wayne Holliday Author Image

James Wayne Holliday

James Wayne Holliday has been practicing law since 1995. He has been named as a “Best Attorney” Lifetime Charter Member in Florida, an honor awarded to less than one percent of the nation’s lawyers.

Mr. Holliday has earned a reputation as a relentless trial lawyer because of his outstanding work ethic and thorough preparation of his cases for trial.

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