Do I have to talk to the other person’s insurance company?

The truth is– you are under no obligation to discuss your accident with the other driver’s insurance carrier. And despite what they might tell you, it is likely in your best interest to avoid communicating with them directly.

That does not mean nothing good can come of a discussion with the other insurer. However, those discussions are best handled by a Lafayette personal injury lawyer. An insurance company will happily push you toward an insufficient settlement offer or attempt to record you making an incriminating statement.

With a seasoned attorney representing you, the insurance company will know their tactics will not work.

Why it is a bad idea to talk to the other insurance company

When you answer the call from an opposing insurance company, the person on the other end of the phone will likely strike a concerned tone regarding your potential injuries. It is critical to remember, however, that the employees of an insurance company are not your friend or even an ally. Even if their concern is genuine, it is their job to hold everything you say against you.

Ultimately, the adjuster for the other driver is calling you to save their employer as much money as possible. They do this in a number of ways:

  • Obtaining a recording that can be used to deny your claim
  • Negotiating a settlement with you that is insufficient or unfair

The person on the other end of the phone does this for a living. They know what to ask, what to look for, and how to negotiate. If you do not have a background in handling personal injury cases, you are at a notable disadvantage. Thankfully, you can even the playing field with the help of Bart Bernard Injury Lawyers.

The risk of talking to the other carrier

The other insurance company will reach out to you. Their experience has shown them that making contact with you has the potential to save money on a claim. In their best-case scenario, they could wind up with a recording of you that damages this claim at trial. Here are a few pitfalls with discussing your case with the other insurance company.

First and foremost, they will record every word you say. If your case goes to trial, you will have a chance to review your records and practice answering questions with your attorney. Here, you will be put on the spot – in some cases, mere hours after a traumatic accident. Any statement you make will be carefully cross-checked with the statement you made to law enforcement. The insurance company will then use any discrepancies between the statements to deny your claim.

In some cases, the adjuster could push you to answer leading questions or agree with hypotheticals. These answers, phrased as a simple conversation, could be used at trial to attack the validity of your case.

Another serious risk related to discussing your case stems from the severity of your injuries. For many accident victims, the severity of their injuries was not immediately apparent. You could feel fine hours after your accident, only to be wracked with pain the next day. The insurance company wants to discuss your claim early in the process– hoping you will agree that your injuries are not severe. This could end up being a can be a major problem in the future.

What’s more, the adjuster will also be keen to settle your claim early before you are fully aware of your injuries. You only get one shot at settlement; once an agreement is made, you cannot come back for more money, if you require more treatment than you expected. An experienced Lafayette car accident lawyer can protect the value of your claim and advise you on whether an offer is worth considering.

Contact Bart Bernard Injury Lawyers to discuss your case with an experienced attorney who will deal with the insurance companies so that you do not have to. Be Smart. Get Bart™