Being involved in a car accident in Wilmington, DE, can be stressful and overwhelming. In addition to recovering from injuries and handling vehicle repairs, you may also need to navigate the complicated process of filing an insurance claim. Insurance companies play a crucial role in personal injury and property damage claims, but understanding how they operate—and how to protect your rights—can make a significant difference in the outcome of your case.
Understand Your Insurance Policy
Before contacting the other driver’s insurance company, it’s important to understand your own policy. Delaware requires drivers to carry liability insurance, but many policies also include uninsured/underinsured motorist coverage and personal injury protection (PIP). Knowing your coverage limits and the types of compensation available will help you set realistic expectations and protect your rights.
Key points to review in your policy include:
- Coverage limits for bodily injury and property damage
- Medical coverage for yourself and passengers
- Uninsured/underinsured motorist protections
- Steps required to file a claim and deadlines
Be Careful When Speaking with Insurance Adjusters
After an accident, insurance companies may reach out to you quickly. While they often appear helpful, their main goal is to minimize payouts. Some things to keep in mind:
- Do not admit fault. Even a simple statement like “I’m sorry this happened” can be misinterpreted as taking responsibility.
- Avoid giving recorded statements until you have consulted with an attorney.
- Provide only necessary information. Confirm basic details about the accident and your policy, but avoid speculating or discussing injuries in detail.
Insurance adjusters are trained to identify inconsistencies or statements they can use to reduce or deny a claim. Always consult a Wilmington car accident lawyer before signing any documents or agreeing to a settlement.
Document Everything
Strong documentation is essential when dealing with insurance companies. This includes:
- Accident reports: Obtain a copy from the Wilmington Police Department or Delaware State Police.
- Medical records: Document all treatments, diagnoses, prescriptions, and therapy related to your injuries.
- Vehicle damage records: Keep repair estimates, invoices, and photos of damage.
- Correspondence: Save emails, letters, and any messages from insurance representatives.
Keeping thorough records strengthens your claim and provides evidence if your insurance company disputes liability or damages.
Negotiate Your Claim Carefully
Insurance companies often make initial settlement offers that are lower than what you deserve. To ensure you receive fair compensation, consider these steps:
- Assess your damages: Include medical bills, lost wages, ongoing treatment costs, pain and suffering, and vehicle repair expenses.
- Consult an attorney: A lawyer can calculate the full value of your claim, negotiate on your behalf, and communicate directly with the insurance company.
- Do not accept the first offer: Even if the offer seems reasonable, it may not account for future medical care or lost earning capacity.
An experienced car accident attorney can help level the playing field and ensure that the insurance company treats your claim fairly.
When to Seek Legal Help
You should contact a Wilmington car accident lawyer if:
- The insurance company denies your claim or offers an insufficient settlement.
- Liability is disputed.
- Your injuries are serious, long-term, or require ongoing medical treatment.
- You are unsure how to calculate your damages.
An attorney can handle communications with the insurance company, gather evidence, and file a personal injury lawsuit if necessary to protect your rights.
Get Help from Wilmington Car Accident Lawyers at McCann Dillon Jaffe & Lamb, LLC
If you’ve been injured in a car accident, the right legal representation can make a critical difference. Experienced attorneys understand insurance tactics, local laws, and how to fight for maximum compensation. Contact a Wilmington car accident lawyer at McCann Dillon Jaffe & Lamb, LLC to schedule a free consultation. Call 302-888-1221 or contact us online. We are located in Wilmington, Delaware.