Month in and month out, you pay for car insurance coverage. It’s not something you ever want to use, but you need it nonetheless.

In the event of a motor vehicle accident, one of the first things you should do, after receiving medical treatment, is contact your insurance agent to file a claim.

This leads to an important question: Can you trust your agent and car insurance company as a whole to do the right thing?

Even if you have a good relationship with your agent, don’t assume that they’re on your side. Doing so puts you at risk of missing out on all the compensation that’s owed to you.

Here are some things to keep in mind:

  • Your insurance company may make a lowball settlement offer: They know you’re in line for more money, so they make you a lowball offer early on in hope that you accept it and close your claim. Don’t make this mistake, as it could leave you in a state of financial disarray in the future.
  • Your agent won’t explain your policy: Sure, they may answer basic questions and provide some guidance, but they’re not likely to tell you exactly how much compensation you’re entitled to. They hope that you remain in the dark, as it gives them an advantage when negotiating with you.
  • You don’t know what the future will bring: Even if you have a clear idea of your injuries and long-term prognosis, you don’t necessarily know what the future will bring in regard to your health and financial challenges. That’s why it’s so important to understand the terms and conditions of your policy. Remember, you’ve been paying for coverage, so you deserve to receive compensation in line with it.

A motor vehicle accident will challenge you in many ways, thus leading you to lean on anyone who appears to be able to help. And that includes your insurance agent.

Rather than put all your trust in your agent, review your policy, learn more about your legal rights and then do whatever it takes to obtain the compensation you deserve for your injuries and other damages.