You have been in a car accident. You are focusing on all the things you need to do to move forward, such as taking care of your injuries, getting your car fixed and filing all the necessary paperwork. You answer your phone one day and, to your surprise, you find yourself speaking with an insurance company that is not your own. They represent another person involved in the accident. What should you do?
If this situation occurs, you need to know exactly how to respond. It is important you protect yourself and your rights when you have been in a car accident.
Tips for Talking With an Insurance Company Contact
If you get a call from another insurance company, first remember to stay calm and be polite. Before you answer any questions, ask the person for their name, title and the name of the company they work for and write down this information. Take notes throughout your conversation on the topics you discuss.
You will want to give out the bare minimum of information. Offering your name, address and phone number is fine. However, you should not volunteer details about:
- The accident itself, including how it happened
- Any injuries you incurred
- Your own insurance claim
- Whether you have discussed the case with a lawyer
Make it clear when you end the conversation that you would prefer limited telephone contact in the future. Under no circumstances should you agree to settle while on the phone with the other company. They may push you to do so, as it is in their own interests to limit the amount paid out. But you likely deserve much more than they will offer you, so you should refuse a hasty settlement option.
Consult With an Attorney About Your Accident
If you remain uneasy about what to do if another insurance company calls, you should speak with an experienced lawyer about your case. Contact KBG Injury Law for a consultation.