Everyone knows the importance of having a good insurance plan for your personal life and for your business. That’s why you work diligently to find the right plan. But when disaster strikes, are you protected? Are you prepared to deal with the aftermath of an unexpected disaster if it happens to occur? And will it be easy enough on you that you don’t need a company to help out? It is understandable that these are questions people have because this isn’t something many people wish upon themselves.

Here's what you need to do:

1) Contact your agent or company immediately after an injury or accident and before any medical care is rendered.

2) Re-read all of the paperwork that was presented during signing up for coverage. 

3) Create a list of all damages (medical, property, transportation-loss, etc.) and keep a log of every question asked by the adjuster and every answer that you provide during negotiations. 4) Seek guidance from experts in personal injury law if necessary

5) Document all communication in writing to the best of your ability.

1. Contact your agent or company immediately after an injury or accident and before any medical care is rendered.

The most important part of dealing with an injury or accident is to contact your agent or insurance company. It is your responsibility to contact them to receive the necessary information about the accident and communication during negotiations. You must recognize that they are not doing their job if they don’t contact you regarding an accident. 

During negotiations, you will be asked a lot of questions. Honestly answering all of these questions is essential if you want to receive the best settlement you can out of your insurance claim. However, as most people do not know how to answer these questions, it is important that you seek help from experienced legal counsel as well.

2. Re-read all of the paperwork that was presented during signing up for coverage.

This will allow you to compare it against any other statement given by the adjuster during negotiations. It would be helpful for you if you:

A copy of your policy should be kept in a safe place.

Take note of the date you received it, the date you signed it, and when they changed your information to reflect your current address. This is important because if your insurance company ever has any questions about this, they can get in touch with you quickly.

3. Create a list of all damages (medical, property, transportation-loss, etc.) and keep a log of every question asked by the adjuster and every answer that you provide during negotiations. 

You should keep a log of everything that was mentioned during your initial, and subsequent, negotiations with the insurance adjuster. This will provide you with a clear picture of the ins and outs of any accident and whether or not it really needs to be settled as quickly as possible. You will also be able to see if they are trying to bully you by asking questions that are impossible to answer, or if they really need your input.

4. Seek guidance from experts in personal injury law if necessary

Research has shown that many people go through stress that is completely unnecessary because they don’t know how to negotiate with their insurance company after an accident.

This is especially true when your injury is quite severe or if you need further information about the process of filing a claim for benefits. Use a personal injury lawyer or firm in your area if you feel they are better prepared to handle the situation than you are.

5. Document all communication in writing to the best of your ability.

Once you have finished talking with the insurance adjuster, you should write everything down as soon as possible. This is important not only so that you and/or your lawyer will be able to remember exactly what was said during negotiations, but it also helps to keep them on their toes.

It is important that you document everything so that the insurance adjuster doesn’t just walk away after they have heard everything that you have to say.

To sum up, it's important to know your legal rights and take them seriously. If you need more help, contact a lawyer or the Insurance Consumer Counselor. It can be nerve-wracking to navigate the confusing world of insurance claims after an accident. But if you use these tips, you'll feel confident and well informed as you head into negotiations with your insurance company after an accident.