Whether you are responsible for a car accident in Illinois or someone hit you, you need to get in touch with your insurance company quick. If the incident caused damages and injuries, you will have to get in touch with the other driver’s insurance company. Here is what you need to know about your options.
You Are Entitled to Benefits from Your Insurance Carrier
Depending on what your insurance policy allows, you may be entitled to certain benefits. This includes medical payments or MedPay, which takes care of your medical bills you had to pay out-of-pocket for treatment after your accident, such as X-rays, surgeries, therapy, etc. It can also pay for your medication – but only up to a certain limit.
Your insurer may also provide collision coverage for your vehicle and even allow for a replacement vehicle if your vehicle is beyond repair. If you were not to blame for the accident, they may ask the driver’s insurance company to pay for costs, via a process called subrogation. However, the amount they reclaim will not come completely to you. Your insurance company may keep a portion and give the rest to you.
If you want to ensure you get the amount you deserve, you should hire an insurance attorney to negotiate on your behalf.
The Insurance Adjuster May Talk to You
After the accident, you should expect a call from an insurance adjuster, who will get a statement from you. The worst thing you can do at this moment is entertain their request for a meeting. Their aim is to get you to divulge information they can use to compromise your case and reduce or deny your claim.
The bottom line is you should not give a statement regarding the accident to anyone other than police officers or your lawyer. You are not obligated to give a statement to anyone else. Just say you need time to think over the case, then turn the adjuster away.
The Law Offices of Robert T. Edens has been representing auto accident victims in Chicago, Libertyville, Woodstock, Waukegan and Antioch for more than two decades. Get an experienced and reliable attorney to represent you against bullying insurance companies that will do anything to reduce or deny your claim. Why should you step aside and pay for injuries that weren’t your fault? Get the justice you are seeking by contacting us for a free consultation today.