Gary Bell: Today, we’re talking about how do you file a claim. You’ve been injured in a car crash, that’s our usual example, that’s our usual scenario. You’ve been injured in a car crash, you’re about to file a claim with the insurance company. Exactly what do you do? We’re going to back up a little bit at the scene of the crash and talk about pictures, talk about what you do with witnesses.
Brad, this is a complicated subject. If you’re able medically, the first thing you do is take care of yourself medically. If you’re able to do these things medically, we’re going to give you some tips today.
Brad Pollock: Right. Obviously a lot of what you’re going to do at the scene of the accident is necessary for you to be able to make your claim, but if you’re injured or if you’re not thinking clearly or if you need help or something else is going on, you may not be able to do some of these things. That’s when you’re going to want to fill in some of the gaps with people who are on your side before you go talking to the insurance company, who is not on your side.
If you think the insurance company’s on your side, they’re not.
Don’t think “Well I’ve been with ’em for 20 years or 25 years,” so you’re going to be able to call ’em up and say “I’ve been here insured for 25 years,” and think that makes a difference. It makes no difference. They don’t care how long you’ve been with them. What they care about is how they can avoid paying you a lot of money. That’s for your own insurance company. When it’s the other insurance company, obviously you haven’t been with them at all, and they could care less about you.
Their bottom line is how they can avoid paying money period, so don’t be thinking that these insurance companies want to help you. They don’t.
Gary Bell: You don’t want to fall into that trap, because it is a trap. We hear it everyday. We’ve been representing injured victims for over 25 years. We help families put their lives back together again. It’s a step-by-step process. It’s not an immediate transition. It’s not immediate gratification. It is a step-by-step process, and you’d better know the steps. That’s what we try to teach you on this show.
Brad was raising some good points. Don’t fall into this false trap. My insurance company, gee, I pay them a premium. Sure you do. They’re not going to want to pay. The other insurance company, Brad made an excellent point, is they’re your enemy. You’ve never dealt with them before. They are really not going to want to pay you, so you’ve got to make the claim in the right way. You’ve got to explain what happened in the accident, you’ve got to be able to prove when you’re making your claim what happened in the accident. Here’s some tips for handling the accident scene.
Brad Pollock: The first tip is when you’re going to talk to them, and when you’re explaining what happened, you can exp