Do I Have to Give My Information to an Insurance Company?

If you have suffered an injury in a North Carolina car accident, you may be concerned about providing your information to an insurance company. In many cases, you do not need to give your insurance information to an at-fault insurance party. North Carolina law affords drivers a certain amount of protection. Nonetheless, providing your information to the other driver’s insurance company could benefit you in the long run. Establishing a working relationship with the insurance company could allow the insurance company to process your claim more quickly.

Knowing what to do after a car accident can be challenging. Many drivers who suffer injuries resulting from the crash are in some degree of shock. One of the most important things to do is avoid making a statement after a car accident without speaking to a skilled Charlotte car accident attorney. In the shock of your accident, you might make a statement that unjustly incriminates you. If you make any statement indicating or implying in some way that you are at fault, the insurance company may use it to deny your claim later. At Arnold & Smith, PLLC our skilled car accident attorneys can help fight for your best interests and help you make an accurate statement to the insurance company that will minimize your chances of having your claim denied.

Typically, the at-fault driver's insurance company will ask for as much information as possible about the accident. However, giving too much information to the insurance company could hinder your case later. It is essential to review the insurance policy or ask them to provide you with the terms of the at-fault driver's insurance policy. An experienced Charlotte personal injury attorney can carefully read through the insurance policy to make sure that the company is meeting the terms of the contract.

At Arnold & Smith, PLLC our attorneys can advise you as to how much information you are required to disclose to the insurance company. We often help our clients draft carefully worded statements to provide to the insurance company that accurately describes what happened during the accident.

After you file an insurance claim with the at-fault driver, the insurance company will investigate your claim. The insurance claim process can be similar to the process of filing a lawsuit. In many cases, an insurance company will investigate the facts surrounding the car accident. Insurance claims adjuster evaluates pertinent police records, depositions, and any other relevant information and determines whether or not to grant or deny the claim. Insurance companies often hire in-house attorneys who evaluate claims.

If the at-fault insurance company denies your claim, you still have other options to receive compensation for your injuries. At Arnold & Smith, PLLC we have helped many clients appeal insurance denials internally. We know how to negotiate assertively with insurance companies who have denied insurance claims or who have offered an amount of compensation that is not satisfactory.

Many insurance policies require a claimant to go to arbitration if they want to appeal the denial of the claim. If arbitration fails, you may still have the option of bringing a lawsuit in civil court in an attempt to recover damages for your injuries. To succeed in a personal injury claim, the plaintiff must prove that the other driver’s negligence or recklessness caused his or her injuries.

Proving negligence and causation can become challenging. At Arnold & Smith, PLLC we thoroughly investigate the facts of our client's car accident. We examine the police reports, witness testimonies, photos, and any security footage or video evidence. Our skilled personal injury attorneys know how to argue on behalf of our clients to secure compensation effectively.

The process of submitting an insurance claim can be daunting and challenging. Many clients who have suffered injuries are distressed about how to pay for all of their medical bills. The stress increases when the clients also have to take time off of work due to injuries and seeking medical treatment. At Arnold & Smith, PLLC our attorneys have extensive experience negotiating with car insurance companies for the best possible payout to put your mind at ease.

It is essential that to speak with an attorney as soon as possible after your car accident. North Carolina has a three-year statute of limitations for personal injury lawsuits. Contact Arnold & Smith, PLLC today to schedule your free initial consultation.