Car accidents can happen to anyone, and often leave people unsure how to proceed and who to trust.
Dealing with insurance companies is tricky since they may appear to be on your side, but their goal is always to minimize their payout. They are in business for a profit, after all.
1. What details to provide your own insurance company
In relaying information to your insurance company after a car wreck, minimize the conversation. In most instances, the insured must notify their insurance carrier that they were in an accident, so be sure to do so. After informing the company of the crash, identify where the incident took place and whether your vehicle sustained damage. If the insurance carrier seeks more information, allow them to investigate with a claims adjuster.
2. What details to withhold from your insurance company
Do not lie to your insurance company, but also be sure not to:
- Volunteer too much information
- Accept blame or responsibility
- Downplay your injuries
Doing any of the above can negatively impact a settlement offer from your own or another insurance carrier.
3. What details to provide the other party’s insurance company
Talking to the other driver’s insurance company is inadvisable. If they contact you, it might be wise to speak with an attorney about dealing with the carrier. Avoid the temptation to phone any other insurance companies or opposing attornies back as they use recorded statements against claimants in lawsuits.
After incurring injuries in a car crash, no one needs additional headaches. Provide insurance representatives with as little information as possible until speaking with an attorney.