If you are involved in a collision, one thing you should avoid is speaking with the other party’s insurance company. If you speak with that company, there is a risk that you may say something that makes it sound like you’re at fault or share in fault for the collision.
Talking to an insurance company is a bad idea for a few reasons. First, the company may try to assign blame to you if you say that you’re sorry about the crash or if you indicate that you’re not sure who made a mistake. Second, after a crash, you may not be thinking straight. It’s better just to go to hospital for an exam and to reach out to your attorney to speak with the insurance company.
When you talk to an insurance company, it’s going to be recorded
If you do talk to an insurance company, you should be aware that it’s going to be recorded. Avoid giving a recorded statement. Anything you say could be used against you when you try to make a claim. That’s why it’s better to allow your attorney do the talking. They know how to approach the insurance agency to avoid saying anything that makes it sound like you caused the collision.
For example, something as simple as saying, “I didn’t see the other driver,” may make it sound like you weren’t paying attention or were distracted. Mentioning that you were out with colleagues having drinks might make the insurance company assume that you were impaired or question your own driving behaviors. If you have to go to court for any reason, you don’t want the insurance company to have anything to use against you.
If you speak with the insurance company, you may also find that it offers you a settlement. Don’t make the mistake of accepting a settlement when you’re on that first phone call. Insurance companies are notorious for making low offers to save themselves money, but that only hurts your claim in the end. Let your attorney do the work, and they’ll help protect you against this kind of unfair practice.