If you have recently been involved in a car accident, you’ll likely receive a phone call from the other driver’s insurance company, regardless of who was at fault for the collision. If this happens, you may wonder whether you should speak to them. It’s important to be cautious about the type of information you share with them as it could hinder your ability to recover the compensation you are entitled to for your damages. Please continue reading to learn how to handle this situation and how our knowledgeable Morris County Personal Injury Attorneys can help you fight for the justice you deserve.
Do I Have to Speak to Another Driver’s Insurance Company?
Following a car accident, it’s important to understand that you are not legally required to speak with the other driver’s insurance company. However, anytime you are involved in an incident that may trigger coverage under your car insurance policy, your contract with your insurer requires you to notify them within a reasonable time frame and cooperate with their investigation into the accident. This means regardless of who is at fault for the collision, you are under no legal obligation to speak to the other driver’s car insurance company.
What Should I Know About Speaking to an Insurance Adjuster?
The first time you will be contacted by an insurance adjuster for the other driver’s insurance company will likely be fairly soon after the collision. They may initially come off as friendly. However, they are not reaching out just to check in to see how you are doing. They will use various tactics to exploit your vulnerable position in an attempt to disprove your claim and deny your case. Their primary goal is to pay out as little money as possible, they don’t have your best interest at heart. Therefore, you should refrain from having a conversation with an insurance adjuster without legal representation on your side to effectively represent your interest and protect your rights.
If you choose to speak to the other driver’s insurance representative after an accident, it’s important to stay calm, cool, and collected. When conversing with an adjuster, you should refrain from airing your displeasure about the situation as you don’t want to give them a reason to draw out your claim. Additionally, this is no time to elaborate or offer your opinions about what happened. You should always stick to the facts and only provide necessary information when requested. Keep in mind that anything you say can be used against you. Therefore, if they ask if they can record your statements, you should decline.
At Lutz Injury Law, we are prepared to help you fight for the best possible outcome. Connect with our dedicated legal team today to learn how we can help you navigate encounters with insurance adjusters and fight for the funds you need to get your life back on track.