If the at-fault driver offers to pay for expenses out-of-pocket, he or she might simply want to avoid an increased insurance premium. But it might not always be a bad idea to accept the offer.
When It's Acceptable
- Do you know the driver, and do you trust them?
- Was it a minor accident with minimal damage?
- Were you the only other person involved?
- Are you positive you weren't injured in any way?
- Does what they're offering sufficiently cover your damages?
In these cases, it might be OK to leave out the insurance companies. Ask for the at-fault driver's insurance and contact information, and then get a quote for repair costs. Give them the quote to see whether or not they're still willing to pay out-of-pocket.
When It's Not Acceptable
If the accident involved an injury or extensive automobile damages, or if it involved more than two vehicles, it's best to include both your attorney and the insurance company, in that order. You don't want to risk underestimating the true extent of damages and potential compensation.
Meet with your attorney first. They will be able to identify the legal protections afforded by your insurance policy.
Then there are hidden damages, particularly those related to injuries. These damages - neck injuries, brain injuries, internal bleeding, etc. - may not manifest immediately following a car accident. Accepting an out-of-pocket settlement too quickly could leave you without further financial support if additional complications arise.
Meet with your attorney first. They will be able to identify the legal protections afforded by your insurance policy.
Then there are hidden damages, particularly those related to injuries. These damages - neck injuries, brain injuries, internal bleeding, etc. - may not manifest immediately following a car accident. Accepting an out-of-pocket settlement too quickly could leave you without further financial support if additional complications arise.
What We Recommend
We will NEVER recommend handling an accident alone, and we will ALWAYS recommend first consulting with your attorney about damages, injuries, risks, penalties, and everything in between.
A personal injury attorney's job is to take the burden off your shoulders, ensure that you are not being taken advantage of, and deal with the other driver, repairs, medical bills, and insurance companies.
Your attorney will also keep thorough records and documentation, including photographs, medical reports, repair estimates, and any communication with the at-fault driver. These documents can serve as evidence in case of disputes or future complications.
Even if you do opt for an out-of-pocket payment, your attorney will be able to negotiate the terms carefully to ensure fair compensation for all damages. They'll be able to sniff out any attempts to rush the process or pressure you into accepting an inadequate offer.
A personal injury attorney's job is to take the burden off your shoulders, ensure that you are not being taken advantage of, and deal with the other driver, repairs, medical bills, and insurance companies.
Your attorney will also keep thorough records and documentation, including photographs, medical reports, repair estimates, and any communication with the at-fault driver. These documents can serve as evidence in case of disputes or future complications.
Even if you do opt for an out-of-pocket payment, your attorney will be able to negotiate the terms carefully to ensure fair compensation for all damages. They'll be able to sniff out any attempts to rush the process or pressure you into accepting an inadequate offer.
If you have been in an accident, and the at-fault-driver is offering to pay out-of-pocket, call our Jacksonville car accident lawyers today. We will help you make the best decision in your unique circumstance.