Dealing with Insurance Companies After a Personal Injury: Dos and Don’ts

Dealing with insurance companies after a personal injury can feel like walking through a minefield. Every step must be taken with caution, as one stumble can impact the outcome of your claim.

But knowing what to do and what to avoid can help you navigate this tricky terrain.

If you’re experiencing uncertainty during this process, we’re here to help.

We’ll cover key dos and don’ts that can make a difference in how your case turns out.

1. The Dos of Dealing with Companies After a Personal Injury

Let’s take a look at what you should do to protect your rights and maximize your chances of a fair outcome:

  1. Seek Legal Representation Early

You’ve just been in an accident, and the world feels like it’s spinning.

Your first move? Reach out to a reputable personal injury attorney, like Spar & Bernstein.

You’ll need someone to help you navigate the legal side of your case and ensure that your rights are protected while you’re focusing on your recovery.

In addition, having an experienced professional guide you through the process can give you the peace of mind you need during a stressful time.

  1. Document Everything

Take photos, collect medical records and police reports, and take note of witnesses.

It might seem like overkill, but the more evidence you have, the stronger your case becomes. 

These details can make a big difference in proving what happened and why you deserve compensation for your injuries and losses.

  1. Communicate Strategically with the Insurance Adjuster

Insurance adjusters — also known as insurance claims agents — are skilled at presenting a friendly demeanor, which can be misleading during the assessment process.

However, remember that despite their approachable manner, insurance adjusters represent the interests of their company.

Ultimately, you’ve got to keep your guard up. Stick to the facts, avoid wild theories, and don’t overshare. 

The less you say — the better. Allow your attorney to handle the negotiations and protect your rights.

  1. Know the Value of Your Claim

When filing a claim, you need to understand the full scope of what you’re entitled to, compensation-wise. 

You’ll likely be entitled to some damages for the pain and suffering, which cover the physical and emotional distress caused by the accident. 

You should also be compensated for medical expenses, including past and future treatment costs, as well as lost wages if the accident has caused you to miss work.

Remember to keep track of all your expenses and losses related to the accident. Doing so ensures you’re fairly compensated.

  1. Be Patient and Persistent

Negotiating with insurance companies is like playing chess. You make a move, and they counter. You strategize; they strategize back.

And that’s why patience is your friend in these negotiations.

Don’t rush into accepting the first offer — consult your personal injury attorney first to prevent being lowballed.

  1. The Don’ts of Dealing with Companies After a Personal Injury

Now that we’ve covered the dos, here’s a look at what you shouldn’t do to prevent jeopardizing your case and make sure you’re treated fairly:

  1. Don’t Ignore Medical Advice or Delay Treatment

After an accident, promptly seek medical attention and adhere to any treatment plans or recommendations given by your healthcare providers.

Ignoring medical advice or delaying treatment can worsen your condition and weaken your compensation claim. 

Wondering how?

Insurance companies may argue that your injuries were not severe or that you contributed to your suffering by not seeking timely care. 

So, prioritize your health and follow your doctor’s instructions closely if you want to win this case.

  1. Avoid Providing Recorded Statements

Does the insurance adjuster want to record your story about how the accident played out?

Politely decline.

Why? Because those recorded interviews can come back and haunt you.

Wait until you’ve spoken with your attorney before providing any statements. Your attorney can also help you prepare and make sure you’re not caught off guard by difficult questions.

In addition, they’ll make sure you’re only sharing necessary information and the ones that are in your best interest.

  1. Don’t Sign Anything Without Legal Review

If someone tries to make you sign a contract filled with legal jargon, waivers, and releases — refrain from immediately signing.

Don’t sign any kind of paperwork an insurance company shoves your way before consulting with your lawyer first.

These contracts can make you accidentally surrender your rights or limit your ability to seek full compensation for your injuries and damages.

Your lawyer will review the documents, explain the implications, and ensure that you’re not agreeing to anything that could harm your case or your rights. 

This tip can help save you a lot of potential headaches down the road.

  1. Don’t Overshare on Social Media

Avoid posting details about your accident, injuries, or legal proceedings on your social media accounts.

Always assume that everyone’s listening — and that includes your insurance adjuster.

For example, an innocent tweet can easily become evidence against you, so keep your online presence low-key until your case is resolved.

  1. Don’t Assume You Can Handle the Case Alone

Many who’ve suffered a personal injury thought: “Well, my case seems straightforward, so I might as well take care of it on my own.”

Don’t be that person.

Personal injury law can be complex, and handling it without professional help can be risky. 

Insurance companies consist of legal experts whose goal is to minimize payouts, and they may try to take advantage of your lack of legal knowledge.

Consulting with a personal injury attorney can help you understand your rights, evaluate the strength of your case, and ensure you receive fair compensation for your injuries. 

Their expertise lies in giving you the best chance at a favorable outcome, which is what you ultimately want.


Dealing with insurance companies after a personal injury can be challenging, but with the right approach, you can protect your rights and improve your chances of a fair outcome. 

Remember to seek legal representation early, document everything, communicate strategically, know the value of your claim, and be patient and persistent. 

Avoid ignoring medical advice, providing recorded statements, signing anything without legal review, oversharing on social media, and assuming you can handle the case on your own.

By following these dos and don’ts, you’ll be better prepared to handle this process and achieve a positive resolution to your personal injury case.