How to Handle Insurance Companies After an Injury

Dealing with Insurance Companies? Here’s How to Stay in Control

After an injury in Myrtle Beach, Carolina Forest, Loris, or nearby areas, dealing with insurance companies can be one of the most challenging aspects of your recovery. While insurance adjusters may seem helpful, their priority is often to protect the company’s bottom line—not your best interests. At Joseph’s Injury Lawyers, we’re here to guide you through this process with practical advice to ensure your rights and compensation are protected.

Step 1: Notify Your Insurance Company Promptly

• Report the Incident: Contact your insurance provider as soon as possible after the accident. Delayed reporting can jeopardize your claim.

• Stick to the Basics: Provide essential details like the date, time, and location of the incident, but avoid giving detailed statements until you’ve consulted an attorney.

Step 2: Be Cautious When Speaking with Adjusters

• Don’t Admit Fault: Even if you think you may have been partially responsible, avoid admitting fault. Liability is a legal determination and should not be discussed prematurely.

• Avoid Speculation: Stick to the facts and avoid guessing about injuries or property damage. For example, instead of estimating repair costs or recovery times, say that you are awaiting expert evaluations.

• Don’t Settle Too Quickly: Insurance companies often offer quick, low settlements. Consult an attorney before accepting any offer to ensure it’s fair and comprehensive.

Step 3: Keep Detailed Records

• Document All Communications: Keep a log of phone calls, emails, and letters from the insurance company. Note the names of adjusters and key points discussed.

• Save All Receipts and Bills: Retain copies of medical bills, repair estimates, and any other expenses related to your injury.

• Photograph Evidence: Take pictures of injuries, property damage, and the accident scene as supporting evidence for your claim.

Step 4: Know Your Rights

• You’re Not Obligated to Provide a Recorded Statement: Adjusters may request recorded statements to use against you later. Politely decline until you’ve consulted a lawyer.

• You Don’t Have to Accept the First Offer: Many initial offers undervalue your claim. It’s your right to negotiate or seek legal representation to secure a fair settlement.

• You Can Appeal a Denied Claim: If your claim is denied, you have the right to appeal. An experienced attorney can guide you through the appeals process.

Step 5: Consult an Experienced Personal Injury Attorney

• Level the Playing Field: Insurance companies have skilled adjusters and legal teams working to minimize payouts. Having an experienced attorney ensures your rights are protected and your claim is valued appropriately.

• Maximize Your Compensation: An attorney can negotiate for compensation that covers all your damages, including medical bills, lost wages, and pain and suffering.

Why This Matters for Myrtle Beach Residents

• Tourist and Seasonal Traffic: Myrtle Beach sees a high volume of visitors, which increases the likelihood of accidents and out-of-state insurance claims.

• Local Knowledge: Our firm understands the unique challenges of handling claims in Horry County, including dealing with out-of-state insurance companies and local providers.

• Protecting Your Future: Properly handling insurance claims ensures you don’t settle for less than you deserve, safeguarding your financial and emotional recovery.

Frequently Asked Questions

1. Should I accept the insurance company’s first settlement offer?

No. Initial settlement offers are often low and may not cover the full extent of your damages. Consult an attorney to review the offer and negotiate a fair settlement.

2. What if the insurance company denies my claim?

You have the right to appeal a denial. Contact us to evaluate your case and guide you through the appeals process.

3. How long does the insurance company have to respond to my claim?

In South Carolina, insurance companies are required to respond to claims in a timely manner, but the timeline varies by provider. If there are delays, an attorney can help expedite the process.