A car accident is a jarring experience. Even when the injuries and damages are not serious, a car accident is stressful, and can lead to expensive repairs and major inconveniences. If the car accident is the fault of the other driver involved in the crash, you may have cause to bring forth a claim for damages against the driver’s liability insurance policy. However, if you do decide to speak with an insurance adjuster before retaining an attorney, it’s important to know some tips on how to handle the conversation with the insurance company. To guide you along the way, be sure to consider hiring your own car accident attorney for representation before you speak with the other driver’s insurance company. 

Should You Speak to the Other Driver’s Car Insurance Company?

Technically, you are not required to speak to the other driver’s insurance company after a crash. However, if you do want to recover compensation, you surely will need to file a car accident claim with the other insurance company which your attorney is able to do for you.  if you don’t, or if you don’t do so in a timely manner, it could lead to issues in making a claim for your compensation. So, in short, while you may not have to speak to the other driver’s car insurance company, you most likely need to speak to the insurance company in order to recover compensation if you do not have an attorney. If you’re unsure whether you should, reach out to an attorney to discuss your claim and potential representation.  . 

Tips for Talking to an Insurance Adjuster

Before you speak with an insurance adjuster or file a car accident claim, it’s a good idea to set some time aside to write down everything you remember about the accident. This will serve as a source of notes when you do file your claim and speak with the insurance adjuster. In addition to being well-prepared with your story, other tips for speaking with an insurance adjuster include:

  • Stick to the facts.  It can be tempting to say something like, “I’m sorry,” or, “I just didn’t see,” or “I may have been going too fast.” These statements, and others like them, can come off as admissions of guilt and open the door to questions about your level of liability. 
  • Don’t be afraid to say you don’t know. If you’re asked a question to which you don’t know the answer, such as how fast you were traveling at the time of the collision, don’t be afraid to say, “I don’t know.” Expressing your uncertainty is far better than expressing certainty, only to be proved wrong later.
  • Be polite and cooperate. You may feel frustrated after a car accident, but being polite and cooperative can go a long way. Remember, the person on the other end of the telephone is a human, just like you—they’ll probably respond better if you’re kind.
  • Don’t hesitate to pull in legal representation. You may think that working with an attorney is overkill, but know that having legal representation is your right. Exercising that right may help to preserve your ability to recover compensation. 

Why You Should Always Have Your Own Attorney

The insurance company for the other driver may tell you that you don’t need legal representation, or they may try to pressure you to accept a settlement agreement. Even if your case seems relatively straightforward, it’s always a good idea to get the opinion of an attorney. The job of your attorney is to represent your best interests, review a settlement, prove the fault of the other party, and negotiate a settlement agreement. An attorney works on a contingency fee basis, which means that you won’t pay for their services unless your claim is resolved. 

Call Tetzel Law Today 

To learn more about the process of filing a claim after a crash and how an attorney can help, reach out to Tetzel Law today at (617) 742-1700. Our car accident attorneys will provide you with a free consultation to get started.