If you get injured in an accident and the other driver was at fault, you may wonder whether you have to speak with their insurance company. The short answer is no, you do not.
There are several things to consider when it comes to talking with the other party’s insurance company.
Why you should not speak with the at-fault driver’s insurance company
When an adjuster from the at-fault party’s insurance company contacts you before you have consulted a lawyer, remember that they do not look out for your best interests. Their goal is to limit your claim by getting you to say things that may hurt your case later on, such as admitting some degree of fault or minimizing your injuries.
If you receive a call from an adjuster, politely inform them that you are not comfortable speaking with anyone until you consult a lawyer. Once you retain an experienced personal injury law firm, they will handle all communication with the at-fault insurance company’s adjuster on your behalf.
If you decide to pursue the claim without a lawyer
If you choose to pursue a claim without a lawyer, provide the at-fault company with the general facts surrounding the accident so they can properly investigate it. Inform them that you got hurt and tell them about any medical care, but do not provide specific details about your injuries during the initial claim reporting process.
Avoid statements that you were not injured and be careful not to admit any fault. Decline any recorded statements and make sure you thoroughly understand any paperwork before you sign it.
You have no obligation to talk with the other party’s insurance company. Take steps to protect your rights and maximize your chances of receiving fair compensation for your injuries and damages.
