Should You Talk to an Insurance Company After an Injury?

Head on car/truck collision

The answer is no

Many times when you are involved in a multi-car automobile accident, the other party’s insurance company will contact you in order to ask for your statement or medical records to help “settle your claim”.  Is it wise to talk to their insurance adjuster about your case?  If you have already hired a Riverside personal injury attorney, you should direct any questions about your case to your attorney.  Your personal injury lawyer will know how to handle their questions and tell you just what you should say to them (which is very often nothing at all).

Even if you haven’t already hired a lawyer to handle your personal injury claims, you don’t have to talk to any insurance adjuster who calls you.  Your only obligation is to report to your own insurance company that an accident has occurred and that there is damage to your car and/or injuries to you and your passengers.  You don’t have to discuss whose fault it was, or exactly what happened.  They will be able to start working on your claim with just the basic facts, and a copy of any police report that was created at the scene of the accident.  Telling the insurance company anything else can be used against you, especially if you are still in a state of shock and confusion following the crash.  It is always best to wait until you are calm and collected to talk to anyone from an insurance company.  And in many cases, it is best to speak with a personal injury attorney before you talk to the insurance company if you have suffered any injuries from the accident that will require medical treatment.

Remember, anything you tell an insurance company can be twisted and used by them to try to deny your claim.  Insurance adjusters are not working for you, they are working to save the company money.  If you have any doubts about whether your claim might be paid, check with an accident attorney first.  You might just save yourself a lot of time and money!