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Many people mistakenly believe their insurance company should be the first point of contact after an accident. While car insurance is crucial for protection, it is important to remember that they may not always prioritize your best interests. Before speaking with any insurance company, reach out to Fielding Law. Our team can help you navigate the complexities of dealing with insurance companies, ensuring you receive the support and compensation you deserve.  

Understand Your Coverage  

It is important to familiarize yourself with the type of coverage your vehicle has to understand how you are protected.  

Liability Coverage  

This is the minimum amount of coverage required by law. Liability insurance does not cover your own damages and injuries, but it helps pay for damages and injuries you cause to others in an accident. 

MedPay Coverage 

Optional coverage that can be added to an auto insurance policy. It covers medical expenses for you and your passengers if injured in a car accident, regardless of who is at fault.  

Uninsured/Underinsured Motorist Coverage  

If you are hit by a driver without car insurance, uninsured motorist coverage can help pay for your medical bills and repairs to your vehicle. If the driver who hits you has insufficient insurance to cover all your medical expenses, underinsured motorist coverage can help. 

Personal Injury Protection (PIP) 

Known as ‘no-fault insurance,’ it covers medical expenses for you and your passengers, along with other costs incurred after an accident. 

The Role of the Opposing Adjuster  

The opposing adjuster’s job is to deny or minimize liability for the person at fault in an accident. They aim to reduce the amount paid out in claims, often challenging the extent of damages and injuries. This is where your attorney steps in, advocating for you to make sure you receive fair compensation for your losses. 

Mistakes to Avoid When Talking to Insurance 

Limit Conversations: Let your attorney handle all communication. Never discuss the accident, admit fault, or talk about injuries with the other party’s car insurance company. 

Stay Off Social Media: Avoid oversharing details online that could jeopardize your case. 

Be Aware of Insurance Investigations: The other party’s adjusters will conduct their own investigations to downplay the extent of your injuries. They may hire a private investigator to watch your interactions. 

Do Not Accept the Initial Settlement Offer: Allow your attorney to negotiate a higher settlement. Insurance will always initially offer you less than what you deserve. 

How Fielding Law Can Help? 

You can trust our team at Fielding Law to have your best interest in mind and fight for the compensation you deserve. Our mission is to take the weight of legal complexities off your shoulders so you can focus on your recovery. Call us at 833.88.SHARK for a free legal consultation, available 24/7.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.