Hit By Another Driver? Here Are 9 Ways To Maximize Your Insurance Payout

We say you’ve hit another driver – from the moment of the collision until the day your car is completely repaired, there are a few things you want to be sure of:

  1. The other driver’s error has been confirmed.
  2. You do not charge an expensive slip when negotiating with insurance.
  3. Get as much cash as you deserve without being dishonest.

Since the other driver’s insurance will fight you outright, that’s the way to fight back.

1. Call the police and get a police report.

Calling the police to answer a minor fender bender. It may seem over the top, but it’s actually one. Necessary Stage of any auto accident due to some reasons:

  1. They can keep everyone safe. A police officer can secure the scene of an accident, helping to keep you and the other driver safe while you drive. The officer can also keep you safe. From The other driver if he is aggressive, threatening, or tries to flee the scene.
  2. They can file a police report. You need a police officer on site to get a police report. A police report that explains another driver’s mistake is your ticket to pay for insurance. If you file a police report later on, The situation becomes more of you than the other driver, and then it becomes extremely difficult to get your dues.

To set expectations, you may not actually find a copy of the police report on the site. After my recent crash, it actually took 10 days for the Lexus Nexus to issue a report – but as I will explain later, this delay may actually occur. Good For your pocket book

2. Take tons of photos – ideally before driving.

Another driver hit?  Here are 9 ways to maximize your insurance payments (without being dishonest) - take pictures.

After calling the police, and only when it is safe to do so, take as many pictures of the crash scene as possible. I mean dozens and dozens.

The idea is to paint a clear picture for someone who wasn’t there. You will show these photos to the responding police officer, your insurance company, and so on. Their Insurance company, so be sure to grab things like:

  • Second driving license plate.
  • Accident from all angles.
  • The resulting damage.
  • Nearby traffic and road signs.
  • Traffic lanes

Ideally, you would take pictures of cars because they were after a direct impact. This will give a clear picture of what happened and whose fault it was. Unfortunately, the other driver may try to get his car off the road for safety. That’s fine – if possible, try shooting the video before transferring it.

What if I have a dash cam? Can I skip this step?

On this note, you’ll still want to take this step even if you have a dashcam recording. This is because you can’t show the answering police officer what’s on your dashcam, but you can easily show them what’s on your phone. By the time you download your dashcam footage, the police report may have already been filed and it’s too late.

3. Say “I’m sorry” instead

You may have heard this before, but you never want to say “sorry” at the scene of a car accident. It will not handcuff you immediately, but the other driver is recording what you say and their insurance company. Could do Use it as a confession of guilt against you.

Sounds crazy, but it happens. So instead of saying “I’m sorry”:

“Are you OK?”

Expressing concern for the other driver is not your responsibility, and it is an unarmed signal in a tense situation.

Even if you think the accident was your fault, you never want to say “I’m sorry” or “It’s my fault.” It’s just that you don’t have all the facts. The second driver could drive the output, Could text, Or any other violation. Who knows

The point is – you are not a police officer or a lawyer, so it is not up to you to decide whose fault it is!

4. Say “I’m fine” instead

Immediately after an accident, you can shake but otherwise feel fine.

What do you say when another driver or policeman asks if you need medical help? Well, you don’t need an ambulance, so your movement can say, “I’m fine.”

But “I’m fine” can actually cost you as much if not more than “I’m sorry”. Who knew that such simple phrases that we use every day could be so expensive!

The problem with saying “I’m fine” on the record is that insurance companies can and will use it against you. If it turns out that you are. no Well, the insurance companies still have enough evidence to refuse to pay.

Fact: You can’t get well, either. Feel Fine

Another reason not to say “I’m fine” is that you won’t be fine at all. Auto accidents release adrenaline which can mask pain and serious injury. You can. Feel All right, just a little bit High, But you may have severe neck or back pain.

Since you can later file a personal injury claim, say “I’m fine” instead:

“I don’t need emergency services right now.”

Of course, your next step is to see your doctor to identify the signs of an injury resulting from the accident and to consult your lawyer.

5. Call your insurance company (even if it’s not your fault)

Do you insure or call you when you collide with another driver?

Call you own First of all, the insurance company, in most cases, is actually legally required, regardless of who was at fault.

They can help you with the claims process.

In addition, your own insurance company will be able to guide you through the process of potentially difficult claims with other driver’s insurance. And with all your photos and video of the crash, you’ll be able to defend them. You Against any claim filed by the other party.

They may ask you for a formal statement.

Your own insurance company. May Ask for an official statement about the accident. Insurance companies may not legally require a statement from you, but your own provider may need to be insured under their policy.

Politely but firmly ask if this is the case. If you do not need to make a statement to be insured, just tell them everything they need to know in the police report.

6. Never make a statement for other driver’s insurance.

Probably the most cowardly, crappy trick in the auto insurance business is when the driver’s insurance company asks about the mistake Oppressed An accident for a statement.

But whatever you do, no Make a statement. They’re just trying to make you slip away so they can’t pay you back, or worse – turn the tables on you.

Invite the 5th.

The “right to silence” applies exclusively to insurance negotiations – and the other driver’s insurance company should not reach you. Absolutely. If they do, you can politely refer them to your provider.

Confession: I have made a mistake in making a statement in the past. Thankfully, I got one. Really Feeling bad about the two sentences, and told them they should just read the police report or contact my insurance.

Another driver hit?  Here are 9 ways to maximize your insurance payments (without being dishonest) - never state.

I’m glad I followed my gut because I had already won – they were just calling to trap me.

Make no mistake – there are insurance companies. no your friend. Most have over a century of experience developing tools and tactics for you to pay the minimum (or even deceive you into admitting a mistake), so keep quiet when in doubt and ask a lawyer. Please refer

7. Verify that your car is “undeniable” so you get the rent.

A question from you Will Want to answer:

“Is your car able to drive?”

Another driver hit?  Here are 9 ways to maximize your insurance payments

The first time I heard an insurance company ask me this, I did. Thought They were asking if I needed a tow. My car was hit, of course, but it could still be lame at the repair shop so I told them:

“I think.”

When insurance companies ask if your car is driven, they don’t mean mechanical. Legally. Legally driveable. Very “Could it make it out of the driveway?”

Legally enforceable bars are rarely set.

According to HG.org.If the vehicle meets only one of the following conditions, it may be legally undeniable.

  • Bad, broken, or missing mirror.
  • External lights damaged, missing, or incorrectly configured.
  • Bad or missing image.
  • Bad or silent horn.
  • Bent hood
  • Missing bumpers.
  • Bodywork with cut edges.
  • Broken windshield
  • Tires / wheels out of alignment.
  • Low performance brakes.
  • And more.

So basically, most auto collisions will make your car somehow legally intolerable.

You want your car to be undeniable.

now you Want Being able to say that your car is unbearable because it means that the other party’s insurance will have to pay the rent until your car is repaired. But if you’re worried about the ethics of saying your car is “unbearable” when it has all the broken taillights, consider:

  1. Driving a broken car is a safety hazard. Even if you only lose the taillights or side reflectors, your car is now more dangerous than before the accident. Other drivers may struggle to see you at night, and amputated physical activity can be a great danger to pedestrians and bikers.
  2. You may be given a ticket for driving a damaged vehicle. If your car is not 100% street legal then this is it. illegal, And the authorities can drag you, give you a ticket, and even seize your car. Although the damage was caused by another driver, You Chose to drive while you’re on the hook.

In short, you are not doing anyone a favor by saying that your car is legally capable when it is not. This Auto insurance It’s like going to the bathroom when you’re suffocating – for your own protection, tell everyone!

8. Ask for loss of use compensation

Loss of use covers the inconvenience until your vehicle is repaired. In most cases, free rent replaces the loss of use. But insurers won’t always tell you:

You can reject the rental car and get a loss of use instead.

You are entitled to a rental car for each day but you. lack of Instead, you are entitled to a loss per use per dam. For example, the loss per day of use of State Farm is $ 25. This may not seem like much to a large, reputable insurance provider – but it can grow exponentially when insurance conditions are stretched to weeks and months.

So as soon as you are offered a RentalBe sure to ask for loss of use for yourself every day. no Rent. In case your car is unbearable, it is between each day of the accident date and the day you bring your car back from the store.

9. Get a cash settlement.

Another driver hit?  Here are 9 ways to maximize your insurance payments (without being dishonest) - get a cash settlement.

Most insurers will tell you to leave your car at one of their approved repair centers so that the store can only pay the bill directly to the provider.

No Thanks!

You may want to request a cash settlement instead of at least two reasons:

  • You can go to your store. If you don’t trust another driver’s insurance, why would you trust one of their “approved” stores? Getting a settlement gives you the freedom to take it to your trusted store that will do as little repairs as possible. Speak less
  • You can keep the change. A small, family-owned store will probably repair it like a dealer for 40% less. In addition, the settlement may include $ 900 for a new headlight assembly – but if you repair your damaged $ 50 with cash, it’s بینک 850 in the bank.


Paying for insurance can be a difficult thing, and insurance companies will. anything They can charge you a minimum (if anything).

But follow these tips, and you’ll get closer to the maximum payment without dishonesty.

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