How to Deal With an Insurance Company After an Accident
When you file a personal injury claim after an accident in San Francisco, California, it’s important to understand that the insurance company is not on your side. The insurance claims adjuster you speak with may seem friendly and helpful, but their job is to protect the insurer’s bottom line, not to ensure you receive full compensation. Insurance companies prioritize paying as little as possible on claims — which means you must approach every conversation with caution.
Below are key tips on how to deal with an insurance company effectively:
- Speak with a personal injury attorney before talking to the insurance company.
- Be polite, but cautious. Do not trust the insurer to act in your best interest.
- Never admit fault or apologize for the accident.
- Decline recorded statements. Instead, offer to submit a written statement.
- Keep your answers brief and factual. Avoid speculation or unnecessary details.
- Do not sign a Medical Authorization Release Form.
- Provide only relevant medical records that support your claim.
- Consult with an attorney before accepting any settlement offer.
- Do not sign a Release of Liability Waiver or accept a quick settlement.
- If your claim is delayed or wrongfully denied, contact an attorney about a possible bad faith insurance claim.
Understanding Insurance Bad Faith in San Francisco, California
“Bad faith” occurs when an insurance company violates California insurance laws by failing to handle a claim fairly, honestly, or reasonably. If there is evidence that an insurer acted in bad faith — such as unnecessary delays, unfair denial of benefits, or failure to investigate properly — the company may be held legally accountable. In some cases, victims may be entitled to additional compensation beyond the original value of the claim.
If you believe your claim was handled improperly, speaking with an experienced personal injury lawyer can help protect your rights and ensure the insurance company is held responsible.
