After you are in a car accident, the insurance company will get to work lowering the claim. An insurance adjuster will be sent to investigate the scene, and that may include giving you a call to talk about the accident. Do you have to speak with the insurance adjuster? You don’t! You have no legal obligation to give any information, but can refer the individual to your lawyer instead. If you do find yourself in a phone conversation with an insurance adjuster after a car accident, the following are some things you should do.
You’re probably upset about your accident and your injuries, and that’s understandable. You don’t need to take it out on the insurance adjuster, though. Any anger and outbursts could make the situation harder to deal with, and people often say things they regret when they are upset. Stay as calm as you can when on the phone with the adjuster. If you find yourself getting upset, end the call.
Before the insurance representative has time to start asking questions, be sure you know exactly who you are talking to. Your lawyer may need this information in the future, and you should be certain the individual truly represents the insurance company. Ask for the name of the insurance company, who they are representing, and the name, phone number, and address of the individual you’re in a conversation with.
Keep the Details to Yourself
You do not have to give any information about the accident to the person on the other line. You also don’t have to give any personal details about your life. Your name, address and telephone number are all the insurance company will need at this point in the process, so if the representative asks about your employment, income, work schedule or anything else, go ahead and end the conversation.
The adjuster might use phrases like “giving a statement” or “reporting your account” about the accident. Don’t fall for any of it. Even subtle conversation could end up with you saying something that the insurance company will twist or interpret as something else. Instead, refer them to your lawyer.
Don’t Settle Quickly
When you’re contacted by an insurance company, it’s often because they want to quickly settle the claim. This is done to avoid them having to pay other large costs that could arise from your accident. Once the insurance company has paid, you can’t go back and ask for more. Resist the urge to settle quickly, and let your lawyer determine which future costs you should seek compensation for.
Contacting a Lawyer Today
Being in a car accident puts you under no obligation to have a conversation with an insurance company representative. If you find yourself in such a situation, contact your car accident lawyer for assistance.