I Was In a Car Accident, Should I Talk to the Other Driver’s Insurance Company?

By admin

No.

If you get into a car accident, you should not speak to the other driver’s insurance company before consulting with an attorney. The reason for this is pretty simple. Insurance companies train their claims adjusters to take advantage of drivers and witnesses before they have the opportunity to seek legal counsel to explain their rights.

Once a company is given notice about an accident that involves one of their insured drivers, they are told to immediately begin investigating the accident. The reason they hit the ground running from day one is because they are thinking about how they can escape liability for the accident and avoid paying claims. They don’t really care whether you’re injured or not, they only really care about how your injury will affect their bottom line.

The typical situation arises following a car accident. The drivers exchange information and following the crash, both drivers alert their insurance company that they were involved in an accident. Shortly after that, you get a call from the other driver’s company asking for information about how the accident happened (from your perspective) and your injuries. Again, this is not because they care, but rather they are trying to build their defense and figure out how much they think your claim is potentially worth.

When they contact you, they may ask you for a recorded statement. This is typically taped by an adjuster who asks questions about the happening of the accident and any treatment you’ve had.

DO NOT under any circumstances give a recorded or written statement to the other driver’s insurance company. They are NOT mandatory regardless of what the insurance company tells you.

These statements can be very harmful to you and any potential claim you may have. They could be used against you years later at a trial. The best bet is to consult with an attorney soon after a car accident so they can properly advise you of your rights and obligations, including those owed to the other driver’s insurance company.

When in doubt, just say no.

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