You’ve been in an accident, you’ve reported it to your insurance agency and the police, and then you receive a call from the other driver’s insurance company. Do you have to talk to them? What should you say?
These are common questions among those who are trying to get back on their feet after a collision. You are never required to talk to another agency, especially if it is the company that represents the other driver. If you do end up in a conversation, here are the top tips for handling this delicate situation.
You Can Keep It Basic
You are not obligated to tell an insurance adjuster anything about your accident. In fact, the less you tell them, the better. For example, giving your name and contact information is acceptable, but refusing to describe the accident in detail or provide information about any injuries is preferred. An insurance adjuster is usually trying to find flaws in your story to turn the tables in their favor. By not giving up information, you’re protecting yourself and your interests.
You Shouldn’t Let Them Record You
An adjuster may casually ask if they can record your conversation for later use. Never allow them to do so (it is illegal for them to record you without consent). The main reason to refuse is that you may say something in the moment that is inaccurate or untrue, but no matter your ability to explain the situation clearly later, the insurance company can still use that recording against you. Avoid this with a simple “no” when they request it.
You Should Remain Civil
It can be tempting to be short with an adjuster over the phone. After all, there is a good chance they are trying to find reasons not to pay the compensation for your damages. However, getting on the adjuster’s bad side will never help your case. By remaining polite (but firm in your decisions not to relay much information), you won’t burn an important bridge.
You Can Hire a Lawyer To Speak for You
If you are afraid you might give up too much information when speaking to the adjuster, contact a lawyer to talk to them instead. Lawyers know the tricks adjusters use to weaken your position with an accident claim. They can ensure you don’t say too much while still providing necessary information. You can keep the lawyer on for further work in your claim, or you can simply hire them to speak to an adjuster.