A New Jersey car accident lawyer will represent you against the insurance company
. Do not sign off on any insurance settlement until you speak with a car accident attorney.
The best way to not have to deal with an insurance company about an accident is to avoid an accident in the first place. However, this isn't always possible. That is why having an experienced counsel in your corner can be such a help.
Try to remain as calm as you can. See if everyone is all right. You should call a police officer to make a report. You will need to exchange information with the other driver or drivers if there were others involved in the car accident. You will need to provide your insurance information and your address and get that information from the other driver as well.
You will then call your insurance company and report the accident as soon as is practical. The insurance company will start the claims process. You will be contacted by a claims adjuster so discuss your coverage and your deductibles. If the damage is minimal and there are no medical bills this is a process of paperwork and having your car repaired at a body shop.
One of the issues common in this situation is that the insurance company is offering a low amount to settle the case. This can be the case when your car is totaled. When the cost to repair the car is higher than the value of the car.
The insurance company will offer you a low ball settlement. But if it is too low you will need to try to negotiate a higher amount. It is best to seek the advice of a qualified car accident attorney in this type of situation.
If there are injuries involved and a lot of medical bills then you do need to contact a lawyer to represent you. Do not try to negotiate with the insurance company when there are complications such as these involved.