Is it Smart to Talk to the Insurance Company After a Car Accident?
There are many questions drivers often have after being involved in a car accident. One of the questions we often get is whether they should talk to the insurance company. This may seem like an obvious answer but no, we do not suggest that you do so. Keep reading to learn why you do not have to and why we do not think you should. Then contact Law Offices of Fernando D. Vargas at 909-982-0707 for a free legal consultation.
It Is important to Know That You Are Not Obligated to Talk to Anyone at the Insurance Company
First and foremost, know that you are not legally or contractually obligated to talk to the insurance company for the other parties. Note that you do have to report your accident to your own insurance company but you do not have to speak to reps from the other company. Remember that if you do talk to the other party’s insurance company, they can record your statement and anything you say can be used at any point during your claim.
It is easy to assume that as long as you do not say anything incriminating, it is just easier to talk to the insurance agent. This is false. You may say something that is entirely innocent but it can be misconstrued or purposely taken out of context by the insurance agent. This is one of the reasons you should always have your personal injury attorney talk to the insurance company on your behalf.
Saying the Wrong Thing Could Have a Big Impact on the Outcome of Your Claim
If you do talk to the insurance company and say the wrong thing to them, you could end up contradicting something you said earlier. Even if it is a minor difference, they may try to use that as evidence that you are being dishonest. This could be used to reduce your settlement or have it denied altogether.
Take this example: An adjuster seems to be friendly, chatting with you about your day, your family, and other things that seem to have nothing to do with your case. However, if you mention that you are tired and never get enough sleep, this could be used as evidence that you were partially responsible for the accident due to driving drowsy.
Your Attorney Can Prevent Mistakes from Costing You Your Case
At Law Offices of Fernando D. Vargas we are well versed in the things insurance adjusters will say to try and get someone to admit something or make a mistake in their statement. We can handle these people for you. Your goal right now should be getting better and feeling healthy again. Call us now at 909-982-0707 and we will be happy to provide a free legal consultation.