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  • Drew Stephen

How to handle insurance after a car accident in Boston

Updated: Apr 30

Minor car accident that results in damages and injuries

Have you or a loved one recently been in an accident in the greater Boston area and now dread the insurance process that lies ahead? 

If so, you are probably very overwhelmed. 

Where do you even start?

As a personal injury law firm that has over 25 years of working with insurance companies, we are going to tell you exactly what you can expect from insurance companies and exactly what you can do to ensure that you get the full justice you deserve.

Time and time again, people make a severe mistake while handling insurance, costing them a lot of money. 

Money that could have paid for their injuries and got them to a full recovery state is left on the table. 

             The Insurance Process breakdown

To understand how you can be most effective when handling insurance in Boston, you need to first understand the insurance process.

Here’s the breakdown of what normally happens after a car accident:

  1. Reporting the accident 

Both the involved parties would report the accident with their own insurance companies providing them with details about the incident.

2. Investigation of the accident 

Both insurance companies may conduct their own investigations into the accident if there are disputes regarding fault or damages. This is the part of the process where the at-fault party is determined through investigation. 

3. Filing a claim with the at-fault party’s insurance

If you are certain the other driver is at fault, then you have the option to file a claim with the at-fault party’s insurance for the injuries you sustained or for damages done to your vehicle.

4. Negotiation and Settlement

This is where the insurance company assesses damages and injuries to come up with a reasonable settlement  amount. It is not a level playing field without an attorney because the insurance company may try to “low ball” you and pay less than you deserve. If you are offered a fair amount a settlement may occur without an attorney.

5. Collect your settlement check

Sounds pretty straightforward right? WRONG!

The fact of the matter is that there are insurance agents and insurance adjusters who have years of experience and who are specifically trained for personal injury cases like yours. 

Meanwhile, this is probably your first or second ever time doing this.

And what is the primary goal of insurance companies? 

To pay you the least amount of money possible.

As reputable lawyers in Boston, it is our job to flip that switch. 

So, let’s dive into how you can do that.

How you can be paid the MOST amount of money possible.


How to best deal with involved insurance companies after an accident in Boston

The absolute best thing you can do after a car accident and while working with insurance is:

To stop working with them. 

Insurance companies are experts at picking up on information you give them to protect their interests and to strengthen their evidence against you.

Besides giving the basic information, it is best to stay away from communicating with insurance companies and never post on your social media about the incident. 

You run the risk of inadvertently saying or sharing something that could be used against you later in the claims process, potentially minimizing your compensation. 

It's like going into a boxing match with your hands tied behind your back.

Not very fair. 

If you want to be sure you don’t make this mistake and want the justice you deserve, then you would need experienced and competent personal injury lawyers doing the talking for you. 

Making the fight unfair, only for them this time.

For free advice in your legal process and for a free consultation, go to our website here: 

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