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How to Deal with the Insurance Company After Being Involved in a Truck Accident

Written by: Jody Adams
Last updated: March 25, 2024

Being a victim of a severe truck accident can be heartbreaking and traumatizing. The injuries you might suffer can be devastating, if you remember the complex legal process you will have to traverse while fighting for your rights and claim. Such serious accidents happen on busy roads and streets, as in Albany.

Albany is the principal city of New York State and is found on the northeastern side of the United States in New York. With a population of 98,000, Albany’s main economic activities are transportation, healthcare, education, tourism, and technology. 

Because of the huge number of trucks in this city, truck accidents are common on its roads. Therefore, it is vital to understand the right time to seek legal counsel and how to file an Albany truck accident claim to protect your rights and secure desirable compensation for your case.

In this article, we will relay a comprehensive guide on dealing with an insurance company after a nasty experience in a truck accident. Let's start.

Remain polite but guarded

As is common, the insurance company doesn't have the best intentions when you file a compensation claim because of the truck accident. Despite this knowledge, you are supposed to remain polite as you converse with the insurance representatives. Getting mad or showing anger will not make them offer you a better settlement.

Show some friendliness as you talk to them, but be wary of their ill motives and alert to defending yourself.

Don’t admit fault

Refrain from admitting fault for the truck accident. Taking responsibility for the accident or uttering the word “sorry” could mean admitting guilt. You should adhere to this instruction even if you think you're guilty. You never know; something else may have contributed to the accident. Wait for the investigation to determine the cause of the accident.

Keep your answers precise and simple

The insurance company adjuster may begin by asking questions about the truck accident. At the back of your mind, know that their desire is for you to lose. The insurance company is in business and may want to minimize your claim as much as possible.

Avoid giving a lot of information to the insurance company investigators; let your answer be short and simple. Remain honest throughout the questioning.

Refuse to give a recorded statement

Recording a statement with the insurance company is a mess because they can use the information you write in the statement against you later. In cases where you are heard saying that your injuries were not that serious, this may result in you being denied fair compensation when you are later diagnosed with further complications.

Never yield to writing a statement; instead, inform them that your attorney will submit a written statement later on.

Know your rights

When you are involved in a truck accident, you must know that you have more unimaginable powers than you may think. Even if the insurance representative looks confident before you, don't be intimidated because those are some of their tactics to convince you to accept their unfavorable offer. Ignore any scare tactics from them.

Hire a truck accident attorney for help

A truck accident attorney will help you counter the insurance representatives' expertise in evaluating your claim or diminishing your payout. On the other hand, trucking companies are known to destroy any claim that is made against them. A truck accident attorney can defend you through the entire battle.

In conclusion, getting involved in a truck accident can be an overwhelming experience. But knowing how to deal with the insurance company can help you neutralize their unfair tactics and receive the compensation you deserve.

Jody Adams
Jody Adams is an accomplished editor-in-chief with a deep understanding of social care and government benefits issues. With a background in journalism and a master's degree in Public Policy, Jody has spent her career shaping the narrative around social policies and their impact on society. She has worked with renowned publications, effectively bridging the gap between complex policy analysis and public understanding. Jody's editorial expertise ensures that vital information on social care and government benefits reaches a broad audience, empowering individuals to make informed decisions.
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