Driving is an essential part of modern life in many cities and more often than not is uneventful however, accidents do happen, and you have to be prepared when they do. If you have an accident in West Palm Beach there is help available at 1-800-Injured. When you’re in an auto accident one of the first things you’re likely to do is exchange insurance information with the other driver. However, you should never speak to an insurance company after an accident you should leave that to your lawyer and there are several reasons why.
Dealing With Insurance Companies After an Accident
- Don’t Speak to an Adjuster: when you speak to an adjuster your statements are on the record, and it’s very easy to inadvertently say something that could harm your claim and possible settlement amount. When you tell an insurance company you have hired a lawyer they will (in most cases) ask for their contact information and reach out to your representative for further information.
- Providing Contact Information: when an insurance company asks for more information you can provide the name and contact information of your attorney such as a phone number and/or email. You can also tell them your lawyer will be reaching out to them soon and ask for the adjuster’s contact information. It is important to note that once you have an attorney the responsibility of dealing with the legal concerns of the accident and speaking with your insurance company is theirs, and you only need to make sure both sides know how to contact each other.
- What Not To Say: when speaking to an insurance company you have to choose your words carefully and guard the information you share. Also, if they ask to record the phone call you can refuse. Details of the crash, an explanation of what you think happened, and your health concerns or injuries are the information you should keep to yourself. That information should only be shared with your attorney. Do let your insurance company know that you have hired an attorney for legal representation and direct them to them for any questions they may have.
- Meeting Insurance Representatives In Person: finally, never meet with an adjuster in person as noted above they should only speak with your attorney concerning the inspection of your damaged car. This is done to protect you as adjusters are often focused on the insurance company’s bottom line. Your attorney will ensure any inspections or information shared with the insurance company is free from bias and will not harm your settlement.
When you’re in an auto accident there are a lot of things to keep track of in addition to dealing with your own physical wellbeing, stress, ability to commute to work, and how to address personal responsibilities if your car is rendered inoperable. Insurance companies do play a valuable role in the accident process but the task of speaking with your insurance company and their representatives should be trusted to a skilled and experienced attorney. This ensures that the proper information is communicated appropriately.
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