What to Say When Insurance Calls After an Accident

Being in an accident is stressful enough.

And after it’s over, you’ll have to deal with insurance providers.

If you’re in an accident, you’ll likely get a call from the other party’s insurance provider. This often happens if the other party is at fault.

So, what should you do when they call? And what do you say?

You Don’t Have to Say Anything

When an insurance adjuster calls you, they’re looking for information. Specifically, they almost always want to learn something to minimize their client’s liability.

If you’ve retained an attorney, refer the adjuster to your counsel. While in some cases you’re required to talk with the adjuster, it’s best to have a lawyer to represent you in these situations. That way, the information shared can’t be used against you.

If you choose to answer some of their questions, they may ask if the call can be recorded. You don’t have to consent to a recording.

Remember to stick to the facts. Don’t offer your opinion or assume any responsibility for what happened in the accident.

Your Right to Fair Compensation

When the insurance company calls, they may try to make a settlement offer to wrap the claim up quickly. And when they do this, they’ll likely try to convince you that a lawyer isn’t necessary.

You don’t need to accept their first offer, and you’re always entitled to seek representation. An insurance company may use this to their advantage if you’re not represented.

If you’ve been in an accident, reach out to us for your free consultation. We’ll assess your case, offer our thoughts, and if you hire us, we’ll take the burden of dealing with insurance off your plate and work hard to get you the compensation you need.

Top Personal Injury Claims

Personal injury claims are filed when someone is injured due to the negligence of another person or entity. The most common personal injury claims include:

  • Car accidents: Car accidents are the leading cause of personal injury claims in the United States. These accidents can result in a wide range of injuries, including broken bones, spinal cord injuries, and traumatic brain injuries.
  • Premises liability accidents: Premises liability accidents occur when someone is injured on someone else’s property due to a hazard that the property owner knew or should have known about. These accidents can happen in a variety of places, such as businesses, restaurants, and apartment complexes.
  • Workplace accidents: Workplace accidents are another common type of personal injury claim. These accidents can occur due to unsafe working conditions, defective equipment, or the negligence of a co-worker.
  • Medical malpractice: Medical malpractice occurs when a doctor, nurse, or other healthcare provider makes a mistake that results in an injury to a patient. These mistakes can range from misdiagnosis to surgical errors.
  • Dog bites: Dog bites are a type of animal attack that can cause serious injuries, including infection, scarring, and even death. In most cases, the owner of the dog is liable for the injuries caused by their pet.

What to do if you’ve been injured.

If you have been injured in an accident due to another person or entity’s negligence, get medical attention immediately. This will help to document your injuries and establish a timeline for your recovery. Collect evidence of the accident. This includes taking photos of the scene, getting witness statements, and saving any relevant medical records. File a police report. This will create a record of the accident and help to establish fault. Contact an experienced personal injury attorney. An attorney can help you to gather evidence, negotiate with the insurance company, and file a lawsuit if necessary.

 

Contact Us Today

If you have been injured in an accident due to the negligence of another person or entity, you may be entitled to compensation for your injuries. Contact our firm today for an initial consultation.

What is Medical Malpractice? And How Should You Report It?

Doctors and medical practitioners are the people we should trust most in society. They’re highly trained, and we rely on them to diagnose and treat what we value most: our health.

Sometimes, things don’t go as planned. Maybe a diagnosis is missed, or a doctor makes a mistake, which results in severe injury or even death.

It’s essential to understand what medical malpractice is and what you should do if you’re a victim.

What is Medical Malpractice?

Medical malpractice occurs when a physician or licensed medical professional breaches their professional standard of care and causes a patient harm. It may result from a mistake or an intentional deviation from the standard of care all doctors are expected to uphold.

 

How to Know if You Have a Medical Malpractice Case

The most essential part of medical malpractice cases is proof. There are three primary benchmarks for determining if malpractice took place.

First, it’s critical to prove the physician violated their professional standard of care, which can be an incredibly high bar.

Second, it must be clear that the physician’s negligence caused you harm. There would be no malpractice case if you didn’t sustain injury due to their care.

Finally, the damages must be significant enough to warrant pursuing the case.

 

What Should You Do if You Think You’re a Victim?

If you or a loved one believe you have sustained injuries as a result of medical malpractice, contact an attorney to see if your claim could potentially meet the above criteria.

Also, know that many, but not all, potential medical malpractice claims carry a two-year statute of limitations. This means that your claim must either be resolved or a lawsuit must be filed within two years of the date the potential harm first occurred or from when the harm was first known or should have been known.

Our team has worked on many medical malpractice cases. These cases are complex, and the situation is even more daunting if you’re dealing with recovery. Contact us for a free consultation to see if your case should be pursued.

What Happens if You’re a Passenger in a Car Accident?

Most people think about the driver in an accident. It’s their insurance and their vehicle. They’re the ones impacted by it.

But what happens if you’re a passenger in a car wreck? Who pays for your medical claims and damages?

Coverage for Passengers

If you’re an injured passenger, the at-fault driver’s insurance will typically pay your claims.

So, if the driver of the vehicle you’re in causes the accident, their insurance may cover you. It can be more complicated if that person is a member of your household, such as a spouse or child.

If another driver is at-fault, your claim will be filed with their insurance. Whatever damages or bills related to your injuries you sustained may be covered, depending on their policy limits.

In some situations, the drivers could share the blame so that you may file claims with each driver’s insurance.

 

Uninsured and Underinsured Claims

Unfortunately, being in an accident with an uninsured or underinsured driver is common. In South Carolina, drivers are required to have uninsured driver’s insurance. If the at-fault driver doesn’t have coverage, your policy, if you have one, may protect you.

It’s also possible that your damages could exceed the at-fault driver’s insurance policy. You may have underinsured motorist coverage through your insurance company, which means your policy could cover your losses. In some cases, you’ll likely need an attorney to pursue this route.

 

Making Sure Passengers Are Protected

Being a passenger in a car accident is scary. And you may need clarification about what you should do next. Our team is happy to offer a free consultation to see if we can help your case.

How Workers Comp Claims Are Evaluated

How Workers Comp Claims Are Evaluated

If you’re injured on the job, your first thought is probably not on the worker’s comp process. And it shouldn’t be. Instead, you should focus on getting treatment, especially if your injuries are significant.

But knowing how the worker’s comp process goes is critical to ensuring you receive the funds you need to pay for medical bills and support your income if you’re out of work due to the injury.

 

The Claims Evaluation Process

If you’re hurt on the job, you should immediately report it to your supervisor.

Even if it seems like an “insignificant injury,” you must report it to receive worker’s compensation coverage. This is a critical part of the process because the initial time after the injury will be evaluated by your employer, their insurance company, medical professionals, and anyone else involved.

Regulations vary by state, but most states have a statute of limitations on when you can report an injury. In South Carolina, you must report an incident within 90 days. The sooner, the better because waiting can invite scrutiny from the insurance company.

You and your employer are required to file claim information with the South Carolina Workers’ Compensation Commission. This is very important in case you need to file an appeal with the state board.

Once a claim is filed, your employer’s insurance company will review your claim.

They’ll look to see if the injury is work-related, if you have any pre-existing conditions, or any other instance for which they may deny the claim.

South Carolina law allows employers to dictate which physician an injured employee visits for care. You must explain every detail of the accident and injury to the doctor you see.

A worker’s comp insurance company will likely examine your background and whether you’ve obtained counsel through an attorney. Some of this is routine since insurers are trying to prevent fraud. But they may also use it to gain leverage.

Insurance companies will look at the complete picture of the claim. They may identify opportunities or loopholes that they can use to refuse payment.

Contact us if you’re experiencing issues with your worker’s comp injury. We’ll handle the complicated process of working with the insurance company so you can get the payment you need.