With the insurance system currently in place, accidents that involve fault and negligence are actually compensated for by an individual's insurance coverage rather than out of their personal pockets. This means that the victims of an accident will need to go directly to the at-fault insurance company to recover compensation. However, in order to stay leaders in the industry, insurance companies will be seeking to pay the least amount of compensation while still raising their customers' premiums. This helps them make the most revenue, but as a victim, you still deserve to be given the full amount of compensation.
When an at-fault insurance company conducts an investigation of a specific incident, they will be seeking to gather as much information as they can to help them cut down a payout as much as possible. Using the example of a car accident, the at-fault insurance company will be trying to find information that means you had some part in causing the accident so that they can pay you less. However, it is important to remember that you do not have to speak with the other driver's insurance company and more importantly, you do not have to tell them everything. In fact, here are a few helpful reminders for victims of car accidents that are contacted by at-fault insurance companies:
Obviously, communication with the insurance company is necessary in order for you to receive compensation but you only need to give them the basic facts of the situation. As much as they attempt to coax you into sharing more or admitting fault, you do not need to cave.
The most advisable thing to do is to refrain from talking with the insurance company until you have hired a Rhode Island personal injury attorney to represent you and your interests. Having legal counsel that will advocate for your rights to full compensation and who knows the strategies used by insurance companies will be extremely beneficial to you in the long run. Contact a Rhode Island personal injury attorney from the Law Offices of Robert H. Humphrey today to learn more about how can be your advocates in this matter.