Were you in a car accident in Wisconsin? Learn how to deal with insurance companies, avoid common pitfalls, and protect your rights. Trial Lawyers of Wisconsin is here to guide you.
Car accidents are stressful, confusing, and can leave you dealing with pain, vehicle repairs, and missed work. One of the biggest sources of anxiety for many people after a crash is dealing with insurance companies. Knowing how to communicate with insurers—and what mistakes to avoid—can make all the difference in the outcome of your claim.
What to Do Immediately After a Car Accident
- Ensure Safety and Call for Help:
Check yourself and others for injuries and call 911 if anyone is hurt. Move vehicles to a safe spot, if possible, and wait for police. - Document the Scene:
Take photos of all vehicles, the scene, road conditions, license plates, and any visible injuries. Gather contact information for everyone involved and any witnesses. - Notify Your Insurance Company:
Contact your insurance provider as soon as possible to report the accident. Provide basic facts, but don’t give a detailed statement until you’ve consulted with an attorney.
How Insurance Companies Work
Remember, insurance adjusters are not on your side. Their primary goal is to minimize payouts and protect their company’s bottom line. This is true whether you’re dealing with your own insurer (for uninsured/underinsured claims or med pay) or the at-fault driver’s insurance.
Common tactics insurers use include:
- Pressuring you to give a recorded statement (which can be used against you later)
- Asking misleading questions to get you to admit fault
- Offering quick, lowball settlements before you know the full extent of your injuries
- Delaying claims to pressure you into settling for less
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Tips for Dealing with Insurance Companies
- Be Cautious with Statements:
Do not admit fault or speculate about what happened. Stick to the facts. - Don’t Sign Anything Without Legal Advice:
Never sign a release or accept a settlement without consulting a lawyer. You could unknowingly give up your right to future compensation. - Keep Records:
Document all communications, including emails, letters, and phone calls with the insurer. - Follow Medical Advice:
See your doctor, follow treatment plans, and keep records of all medical care. Gaps in treatment can be used against you. - Consult an Attorney:
Having a skilled lawyer in your corner levels the playing field and protects your interests.
Why Having a Lawyer Matters
At Trial Lawyers of Wisconsin, the team knows how insurance companies operate. They handle all communications and negotiations on your behalf, preventing insurers from using your words against you. Their goal is to maximize your compensation for medical expenses, lost wages, property damage, and pain and suffering.
What Damages Can You Recover?
After a car accident, you may be eligible for compensation for:
- Medical bills (past and future)
- Lost wages and loss of earning capacity
- Property damage
- Pain and suffering
- Emotional distress
How Trial Lawyers of Wisconsin Can Help
From your first call, the attorneys at Trial Lawyers of Wisconsin take the stress of dealing with insurance companies off your shoulders. They investigate the accident, gather evidence, and build a strong case—so you can focus on recovery. Whether your claim is resolved through negotiation or trial, you can trust that your case will be handled with dedication and care.
