After a car accident, the other driver’s insurance company may try calling you. Learn how to respond to them if they call and you don’t know what to do.
The Other Insurance Company Wants a Statement
There are several steps you have to take following a serious accident. You need to seek medical attention, and beyond that, you have to file a police report, talk to a lawyer, and discuss the accident with your insurance company.
The last thing you want to deal with is the other driver’s insurance company calling you. The company keeps calling and calling and calling. Finally, you pick up and they start pestering you for information about the accident. You don’t know how to respond, fearing that the adjuster will twist your words.
It’s important to know what to say to the other driver’s insurance adjuster so you don’t get tricked into saying something you’ll regret.
At Allbee Law Firm, we can help you communicate with the other driver’s insurance company in a way that’s beneficial to your case. Need legal assistance after getting in an accident? Call a personal injury lawyer at Allbee Law Firm today to schedule a free consultation.
Why Would the Other Insurance Company Ask for a Statement?
After a car accident, the other driver’s insurance company will likely call you to ask about the accident. They might ask for a statement from you to get your side of the story.
The adjuster will ask you questions about the crash, such as why, when, and where it happened. They ask you these questions to get you to admit fault or to say something that they can use against you in court.
Sometimes the adjuster will ask you for a recorded statement, so they can document your answers. This can throw people off, which makes them more susceptible to admitting partial fault or revealing something that proves that they caused the accident.
How Can a Statement Be Used Against You?
Usually, when the other driver’s insurance company calls you, they’re trying to make you admit full or partial fault for the accident. If you admit fault, you’ll receive little to no compensation, and the other insurance company won’t have to pay for any damages caused by the accident.
The insurance company might try to use your statement to find inconsistencies between your statement and the police report. They can use this information as evidence that you’re at fault for the accident.
Ultimately, they will ask you questions that throw you off, and they’ll use your answers to deny or disprove your claim.
What To Do if the Other Insurance Company Calls You
It’s important for you to know that you’re not required to talk to the other insurance company. If you don’t want to speak with them, you can politely decline. If they continue calling you, you can tell them to contact your insurance company or lawyer.
If you do decide to talk to them, be courteous. No matter what they ask you, only give them basic information like your name and contact information. If they ask you to talk about the accident, decline and tell them you don’t feel comfortable answering that question at this time. Above all else, don’t take the blame for the accident. Don’t take responsibility for anything that happened. Even if you’re not sure who’s to blame, don’t admit fault. The other insurance company will use that against you and hold you accountable for the accident.
Finally, only answer the questions that they ask you and stick to the basics. They might engage you in a seemingly friendly conversation. Their goal is to make you feel comfortable speaking to them. Avoid giving them any additional information about the accident.
The bottom line is that you don’t and shouldn’t have to speak to the other driver’s insurance company. If you do, only give them generic answers and don’t provide them with details about the accident. Remember, you can always decline to speak to them.
Tips for Talking to the Other Insurance Company
Here are some tips for talking to the other insurance company:
- Don’t give a recorded statement or a written statement
- Don’t admit partial or full fault for the accident
- Don’t give additional information about the accident
- Tell them to talk to your insurance company or lawyer
- Don’t agree to a settlement over the phone
- Don’t tell them about your medical condition
Do You Need Help Talking to an Insurance Adjuster?
Does the other driver’s insurance company keep calling you after an auto accident? Are you unsure of how to respond to them? If so, it may be beneficial to work with a personal injury lawyer. Our attorneys can advise you on how to answer them, or they can speak to the insurance company themselves.
At Allbee Law Firm, our lawyers are here to help you through every step of the legal process. From filing a claim to speaking to the other driver’s insurance company, we can help. Contact us as soon as possible to schedule your free consultation.