Do I have to talk to the insurance company after a car wreck? Do I have to give a recorded statement to the insurance company for the other driver? These are questions I wish everyone would ask before talking to any insurance company. First and foremost, when you are in a motor vehicle accident, you do not have to talk to the insurance company without an attorney. If you decide to hire our firm, we handle all communications with the insurance company from that point forward and may set up a recorded statement if it is required by your insurance policy.
Dealing with the insurance company
Generally, you do not have to speak with the insurance company for the other driver who hit you and we encourage our potential clients not to give any statements without first calling our firm to discuss your case. It can take only minutes to call us and then we can make sure that you are not left on your own to answer questions that may be purposefully set up to harm your insurance coverage or your case. You may not even realize the legal consequences of the questions they are asking. Often words that we use in everyday speech have a specific legal meaning, such that when you answer it you are effectively answering a trick question. They may turn the answer around on you in a way that is not what you meant at all.
The insurance adjusters assigned to insurance claims have been trained to use a phone call with you to their advantage, while you, on the other hand, have most likely never dealt with this situation. They have been trained very well, while you, on the other hand, have most likely never dealt with this situation. The insurance company for the other driver is not there to help you. They are looking out for their insured and will be asking you questions in a way that is meant to help their case. When an insurance company calls you, you can politely ask to call them back at another time. Take this opportunity to call and discuss your claim with an attorney. There is no charge for the initial consultation.