If an at-fault driver tells lies to the insurance company about an accident you both were involved in, it will be better if you do not take the insurance company’s decision as final. You shouldn’t settle for the insurance company’s final decision especially if you are not at fault, because insurance companies only pick and make use of information favorable for them to get what they want. What every insurance company wants is to pay out a very little amount as insurance claim, and if what story they get from any party will work for them, that is exactly what they will use. This review tells more on lying about injuries in a car accident, and what steps you should take when the other party is not being honest with his side of the story.
Lying About Injuries In A Car Accident
If the other party involved in the accident with you has changed his story or is dishing out lies, you should not resort to screaming or fighting but you should try to remain calm. You should be calm with the at-fault driver, the officer who wrote the report, and the auto insurance company. If you are able to avoid having a confrontation with any of the parties we have mentioned, you will be able to help your case and the result might end up in your favor. In some other cases, the at-fault driver might tell lies at the scene of the accident, and like we mentioned earlier, the best thing for you to do is stay calm. If a person decides to lie about an accident report to an officer of the law, nothing you will say at that point will change his story. Giving out a negative reaction might cause the officer to think the both of you are telling lies.
Gathering evidence is the best way to deal with an at-fault driver that tells a lie at the scene of the accident. The first thing you need to do is get appropriate medical attention, and after getting medical attention, start gathering evidence should be your next priority. The evidence you should consider gathering is eye witness information, photos of vehicle damage, and pictures of the scene. After gathering all of this information, ensure you share it with an attorney. It is very important that you get all the help you need, and you need someone who will transform your story to the truth. This is where an attorney comes in.
Furthermore, it is not important who is telling the truth or not between you and the other driver, but the insurance company has the final say regarding the situation. The insurance company will go for a decision that is best for their business, but in most cases, they make decision based on police statements and reports. In some cases, they decide who is liable but having an attorney by your side will compel the insurance company to give you what you want. You also need to hire an attorney to deal with the lies being told by the at-fault driver.
How To Dispute An Insurance Claim Made Against You
After getting involved in a car accident, the other driver who you have damaged his vehicle and caused some injuries might decide to make a claim against you. The claim the other driver is making against you will cover for treatment of injuries and repairing the damaged vehicle. If you want to dispute an insurance claim made against you, the first thing you should do is get legal advice on what to do. Getting legal advice is a very good option whether you do not have insurance or you have decided to make use of your insurance to resolve the claim that has been made against you. The truth is anyone who is liable for a car accident will pay for all the damages, but in some cases, the court might find both parties liable for the accident.
After receiving a demanding letter from the insurer, other driver, or debt collector, you should seek guidance from an attorney straight away. You should also consider negotiating with the other driver if you are at fault for the crash. This might warrant you to negotiate with the other driver’s insurance company or the other driver himself. Request for all copies of quotes, and if you find this quotes reasonable then you should set out a way to pay for your debt. Paying through installments might be an option you propose, but the other driver’s insurance company or the driver does not have to accept this proposal. If you cannot afford the entire amount of the quote, try to workout an amount you can pay. You should also provide the other driver’s insurance company with few reasons why you might not be able to meet up with the amount they want.
If you are liable for a car accident, ensure you do not ignore the problem. If you ignore the problem, it might prompt the other party to file a court case that will end up increasing what you have to pay. In some cases, the amount the car accident victim is claiming might be too much. If you find yourself in this spot, here are few things you can do;
Gather as much proof as you can
Request some copies of assessor’s report, photos, itemized bills from the insurer
Ensure all documents you get from the insurer are carefully read
Explain why you think the amount they are requesting is too much and provide proof to back it up
Send the other driver’s insurance company a letter explaining your position and back it up with proof
Failure to reach an agreement with the other driver’s insurance company without going to court or court and legal costs might generally cause the amount to get increased.
What Happens If You Injure Someone In A Car Accident
Every driver’s insurance policy carries a specific amount. If you are involved in a collision where the other person is severely injured, your insurance will cover for damages and treatment worth the amount that your policy carries. You are going to pay for any amount left out of your pocket, and it may be surprising that most policyholders have no idea they are uninsured. It will cost little for a policy holder to increase his insurance coverage, and increasing your insurance coverage doesn’t require too much work. You can have an insurance agent from your insurance company walk you through the process over the phone. The lesson here is for people to educate themselves about what they have or can do about their insurance policy.
Furthermore, the first thing you should do after getting involved in a car accident is to obtain a police report. The police will require you to fill out an accident report for third party insurance purposes. In some countries, registering your vehicle with an insurance company requires you to pay a certain fee called the Compulsory Third Part insurance premium. The essence of the Compulsory Third Party insurance premium is providing assistance for victims of car accidents where a registered vehicle owner is at fault. If you have paid your Compulsory Third Party insurance premium and you injure someone in an accident, your insurer is going to back you up by paying for the victims injury compensation, if a claim is filed against you.
Final Note
To avoid having a disastrous car accident claim getting filed against you, you need to have a perfect understanding about how the process works. If you are involved in a car accident and a police officer shows up, the accident is going to be recorded. This record will comprise of a drawing of the car accident, how the vehicles are positioned, and eye witness statements. These information will be useful in dealing with any lie that the other driver has written in the claim he filed against you. When determining the at-fault party for a car accident, car insurance companies should make use of these reports. This record contains official information regarding what led to the accident, but insurance companies don’t use this report in most cases.
If any information written on the report isn’t correct, you need to get in touch with the officer that handled the report. There are so many cases where a police accident report might be wrong, but you need to understand that these officers are also human, meaning they are liable to make mistakes. They will also be willing on their own path to correct their mistake. You on the other hand should also not lie when giving your report about an accident. Lying about injuries in a car accident has its consequences, and these consequences can end up being disastrous for you. If you provide false information on an insurance application, it might lead to your personal injury claim getting void. This is quite common with under-insured motorist coverage.
Insurance companies conduct investigation too to determine who’s at fault for an accident, so make sure that your side of the story is accurate.
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