As a personal injury and workers’ compensation firm, we have a wealth of experience dealing with insurance companies. And while they all try their hardest to protect their own interests if they have to pay out a claim, some companies and agents are much easier to work with than others. In today’s blog, we’ve decided to share some tips that you can use when picking out a car insurance provider that should make life a little easier if you ever need to file a personal injury claim after a car accident.
Picking A No Fault Insurance Provider
Minnesota is a no fault state when it comes to car accidents, which means you’ll likely be going through your own insurance company if you have to file a claim. Even though you’re the one paying the premiums, don’t expect the insurance company to bend over backwards to get you every penny you deserve. Their number one priority is limiting their liability and their payout to you.
Instead of finding out that your insurance is a pain to work with after an accident, it’s helpful to do some due diligence when you’re shopping for an insurance provider so that you can have confidence that you’d be working with a helpful team if you ever needed to file a claim. And while that’s not always an easy task, here are some things you can do to help find a reliable insurance provider when you’re looking for car insurance.
1. Read Online Reviews – Read online reviews from neutral sites like Google, Facebook or the Better Business Bureau. Odds are there are going to be some less-than-favorable reviews on these sites, but really take the time to read through them and see what people are saying. Bonus points if the insurance company is active online about reaching out and helping upset customers find a resolution to their issue.
2. Read The Contract – Nobody likes reading legal contracts, but when it’s something as important as insurance coverage, it’s very important that you take the time to read through the entire contract that you would be signing. Sometimes insurance companies try to slip coverage details by drivers in the fine print, and while it’s likely nothing malicious, you don’t want to be in for a surprise if it turns out that you’re not covered like you believe you are. Read through any contracts before you sign them.
3. Get Things In Writing Or On Record – The insurance company will likely record any conversation you have with them on their end, and you need to make sure you’re also getting a record of what they say. They may not consent to a recording on your end, but you can always ask (non-consensual recordings may not be admissible in court). At a minimum, make sure you’re taking detailed notes of the pertinent details of the conversation, including when the conversation occurred, who you spoke with and what was discussed. They may try to deny that a conversation took place or that a promise was made, but if you can point to the details of the conversation, it can help to strengthen your claim.
4. Be Wary Of The Cheapest Option – We understand that you don’t want to overspend on insurance, but at the same time, there may be a reason that one provider is offering the lowest rates. Again, lean on reviews when making a decision. Don’t just make a decision on who can offer you the lowest price. A company with a 4.5 star rating for a few more dollars a month may be a much better option in the long run than a company with a 2-star rating that’s just a bit cheaper. You’ll want good insurance in the event that you need it, and you should assume that you’ll need it at some point, so don’t just make a decision on price alone.
For more information, or for help with any aspect of your personal injury claim in the greater Twin Cities area, reach out to Dean and the team at Margolis Law Office today.
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