Should you talk to an insurer after getting into a collision?

Aug 12, 2021 | Motor Vehicle Accidents

If you get into an automobile collision with another person, you both should exchange insurance information. After that happens, you’ll call your insurance to let the company know about the crash. You can leave the situation at that while you go to seek medical attention.

Some people find that the other party’s insurance company reaches out to them to talk to them about the claim. The insurance agent may ask questions to try to see if you sought medical care or to find out details about what you were doing when the crash happened.

Before you say or do anything in this scenario, it is wise to remember that what you say could come back to hurt you later. Instead of speaking with the agent, it may be more advantageous for you to refer them on to your attorney.

Why isn’t it a good idea to talk to the other party’s insurance?

The main issue is that the other party’s insurance company isn’t there to be friendly or to get you the most money possible. The agent will want to protect the insurance company’s bottom line. They may try to get you to admit to wrongdoing, such as not paying attention, or try to find out just how serious your injuries really are.

If you are not skilled in negotiation and have no legal background, it’s not wise to talk to them about your injuries or what you expect out of a settlement. In fact, if the company offers a settlement, it is better for you to listen to the offer and not tell the agent if you accept or not. Instead, pass that offer on to your attorney and ask the agent to speak with them instead.

Focus on your health, not your insurance claim

You have gone through a lot as a result of this other person’s actions, so it’s reasonable for you to focus on your health instead of your insurance claim. With the right team, you can make sure that you’re taken care of medically and legally so that you have the best chance at a full recovery.