How to Talk to Insurance Companies

two motorcyclists riding on a road

Should I Talk To My Insurance Company After an Accident?

Directly following a motorcycle or car accident, it can seem like the next right step to report your accident to your own insurance company. However, it's important that you don't rush into reporting your accident. While you do want to notify your own insurance company promptly, you should ensure that you have received medical attention first, and have discussed your case with a professional injury lawyer before contacting your insurance company.

When you do speak with your own insurance company, you should avoid:

  • Giving any specific details about the accident
  • Admitting any fault
  • Making guesses about the events leading up to the accident
  • Making any statements about not having been injured

Even if you think you have escaped the accident unscathed, it's important to allow time for a medical professional to examine you and determine if you will have any long-term affects from the accident. You should also discuss your incident with a professional injury lawyer who can help you determine whether or not you have grounds to file a personal injury lawsuit or a property damage lawsuit.

What If the Other Insurance Company Wants a Statement?

Did you know that as soon as you are injured, the at-fault party's insurance company immediately starts building a case against you? Thus, the sooner you hire us, the more we can help.  The insurance company will record your phone conversations with them, and they will try to use your statements to "box you in" later. Insurance companies often ask victims leading questions to try to minimize the severity of a collision or discount your injuries. Don't let them trick you into making inaccurate statements, tell them to direct any questions to your lawyer.

Do I Have to Talk to the Other Insurance Adjuster?

No! You are not required to speak with the other party's insurance company. In fact, the best advice for talking to insurance companies is DON'T TALK TO THEM.  As soon as you tell the insurance company you are represented by counsel they are no longer allowed to speak to you without your attorney's permission.  Even if you have not retained an attorney yet, you should tell the insurance company you are in the process of getting an attorney and your attorney will contact them as soon as possible.

Unsure whether you have grounds for a personal injury lawsuit? Our accident lawyers can help! Call Curtis | Walton Law today at (720) 815-4402 to get started with a case evaluation.