Insurance After Injury: Speaking with Insurance Representatives

­Insurance After Injury, Part 1, SPER

Injuries disrupt your life. Dealing with insurance companies after an injury gives many people an even bigger headache. Here's what you need to know about your insurance claim after sustaining an injury.

Within 24 Hours of an Injury

If you have suffered an injury at the fault of another, it is best to get the process rolling immediately. File a report with the police (if possible have the police come to the scene), get a medical examination as well as professional estimates for repairs to damaged property. Contact any applicable insurance companies (property or auto insurance) to file a claim within 24 hours of the accident. Also get the contact information for any witnesses who may have seen the accident occur.

For more advice on creating a solid paper trail of important documentation after your injury, refer to this blog post.

What to Tell the Insurance Representatives

Soon after you file a claim with the at-fault person’s insurance, an insurance adjuster will call you. They may want to discuss the accident, your injuries and damages, or request a recorded statement. If you have already hired an attorney, refer the adjuster to your attorney. Do not give the adjuster a statement as it can be used against you for your settlement.

If you do not yet have an attorney, write down the adjuster’s name, number, and insurance company. You should still not give them a statement, but tell the adjuster that you are gathering the necessary reports for the claim. Ask them how they would like documentation sent to them, so you can start sending them copies of medical bills, estimates for damage repairs, and proof of lost wages.

Contact an Injury Lawyer

Hiring a personal injury lawyer is in your best interest if an accident resulted in injuries or death. Insurance companies often take advantage of the victims of accidents by undervaluing their losses. The claims process can be complicated and confusing, but an injury lawyer can guide you through and communicate with the insurance representatives for you.

The attorneys at Sperling Law Offices in Milwaukee have compassion and over 30 years of experience working with personal injury cases. If you were recently involved in an accident and have questions about your claim, please call 414-273-7777 for a free consultation or visit for more information. Don’t let an injury cause you more unnecessary grief. Let our attorneys assist you in getting back to a full and prosperous life.

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