Insurance specialists insist that the majority of insurance claims are handled fairly, that hasn't stopped policy holders from being taken advantage of. Here are some tips to avoid being stiffed by auto insurers. First, determine if your policy actually covers the accident you were in. The driver of the middle car in a chain-reaction collision often thinks they aren't liable for damages, but sometimes your insurance company doesn't agree. Using your car for work like pizza delivery might also be a problem if you didn't inform your insurance company that you use it for that purpose. Build a case as soon as the accident occurs Take photos of your vehicle, the other vehicle, your injuries and relevant background and signage. Keep all of your billing and medical records and make sure you have everything on hand. Never admit fault once an accident has happened and never say you haven't been injured if you're not sure. Don't sign a medical authorization allowing the insurance company to gather your medical records. Don't allow yourself to be recorded unless you'll lose coverage otherwise. "If the adjuster is allowed to record the conversation," Jordan Perch, Driving Expert and Blogger, DMV.com reports, "He or she might use the tape later to try and find potential flaws and inconsistencies in the driver's statement that could hurt the value of his or her claim. Drivers are not required by law to give recorded statements."

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This article was written by a staff member of TheStreet.

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