How to Deal with Insurance Companies After a Motor Vehicle Accident

When a car accident happens, many drivers are faced with several questions about how to handle insurance companies after an accident. While many people don’t really understand how this process works, most of them do know that it will take time for insurance coverage to be fully paid off, so they are left wondering what happens next. 

In this article, you’ll better understand how to deal with insurance companies after a motor vehicle accident.

How Do Insurance Companies Handle Claims?

Insurance companies are very well organized, and they fight for your rights when it comes to an accident involving your car. Most insurance companies pay out billions of dollars each year to car accident injuries, but they also work very hard to hold onto every dollar they can. Insurance adjusters are just too busy to negotiate auto accident cases properly, for as much as they can.

Ways to Deal with Insurance Companies After a Motor Vehicle Accident

1. Understand Insurance Company Options

When you start to find that you are not able to afford all of the cover that you have had before the accident, it can be hard to decide whether to continue with the insurance company or go without. However, the good news is that there are options for dealing with insurance companies after an accident.

It is important to understand all insurance coverage options available, including facts about uninsured and underinsured motorists. Insurance coverage options include personal injury protection, property damage and liability insurance. Although each type of coverage will provide different types of protection, knowing exactly which type of protection is necessary to make sure that you get the cover you need is essential when making your decisions.

Take a look at the details of each insurance coverage:

  • Liability Insurance: This insurance can cover any physical injury or death that is sustained as a result of an accident. If the driver suffers an injury or die as a result of an accident, liability insurance coverage will pay for the expenses related to funeral and other loss. This type of coverage covers only your medical expenses and loss of income related to the accident. The driver will also be responsible for paying any property damage and any other people who are injured as a result of a car crash.
  • Property Damage Insurance Coverage: It is primarily intended for those drivers who have to repair or replace a vehicle due to an accident, as well as those who are at fault for the accident. This type of coverage will pay for the actual cost to replace the car. The driver will have to pay a deductible on the coverage, but that amount will be reduced as the actual cost of the repairs and replacement is made.
  • Personal Injury Protection (PIP): It is designed to cover you if you are in a serious car accident and sustain an injury or get hurt as a result of the accident. This type of insurance will pay for the medical expenses of any passengers who are injured in the accident, as well as the cost of any lost wages and future lost wages that may result from the accident. However, it doesn’t pay for the driver’s medical expenses if they sustain any permanent or severe injuries as a result of the accident.

2. Determine the At-Fault Driver

An important aspect of a car accident checklist is determining the at-fault driver. Property damage and liability insurance are available to cover a variety of different situations that may occur in a traffic collision. When the other driver is not at fault for the accident, this type of insurance can be used to pay for damages to your own car. 

An auto accident lawyer can help you determine who is the party at fault. The problem is, if you’re not represented by an accident lawyer, the insurance company is able to take advantage of you. The insurance adjuster might ask incriminating questions to invalidate your claim.

The best thing that you can do is hire an attorney who specializes in handling automobile accident cases. This way, your lawyer will know what you are up against and will be able to negotiate for your best interest, and take care of you in the best way possible.

3. Hire a Car Accident Lawyer

In addition to immediate medical costs, the cost of restoring or repairing your car to its pre-accident condition, lost wages, and possible future medical treatment can be costly. As a result of all these costs, many insurance companies will reduce the amount of coverage you receive by a significant percentage to help reduce their financial losses. That is why it’s crucial to hire a car accident attorney.

Here are the benefits of hiring an auto accident lawyer:

  • Get the Maximum Settlement: You should hire a car accident lawyer who has experience in dealing with the insurance companies. The more experience you have, the better your chances will be of negotiating and getting the maximum settlement
  • Avoid the Hassle and Expense of Court Proceedings: By hiring an auto lawyer, you will be able to recover your losses from the insurance company without the expense of going to court.
  • Peace of Mind: The costs of a motor vehicle collision can quickly add up. As car crash lawyers know, every day car accident victims deal with serious car accidents. So, hiring one will give you peace of mind.

Watch this video to find out more how to deal with an insurance company after an auto accident.


The best ways to deal with insurance companies is to find an experienced car accident attorney to handle your claim. It also pays off understanding the different insurance coverage options for motor vehicular accidents and determining the at-fault driver to ensure you’ll be properly compensated.

Will Hopstetter
Will is an automotive market enthusiast living in the United Kingdom. He holds a diverse background in automotive and enjoys utilizing that to produce insights into the inner workings of the industry.