Insurance companies do not want to pay out for car accidents. The truth is, they want to pay you as little as possible after experiencing a motor vehicle crash, even though you might think they work for you. Insurance is still a business; they do not make money by paying out your insurance claims.
North Carolina law requires drivers to carry proof of financial responsibility. If the other driver is at fault, your insurance provider will try to receive payments from the driver’s insurance. No matter what happens, an insurance company will attempt to contact you. See below for some tips on how to deal with them.
Take pictures and write notes
The more evidence you gather, the easier it will be to prove your claim. After the accident, take notes, pictures and anything else that indicates the other driver’s fault. This might include witness testimonies, police reports and medical treatment you received.
Do not admit fault
When your insurance company calls you, do not admit fault. State the facts of the accident and nothing more. Do not make any accusations, as these do not necessarily help your case. If the other driver’s insurance company calls you, politely refuse to make a statement.
Be careful with signing documents
Do not sign any documents until you understand the consequences. It is in your best interest to seek professional help if insurance companies present you with any documents.
Speaking with insurance companies is a difficult task. Generally, the less you say, the better. Provide the required evidence after your car accident, but do not let your emotions control your decisions.