SHOULD I TALK TO AN INSURER ABOUT MY CAR ACCIDENT?
If you have been involved in a car accident, one of the first calls that you may receive in connection with your car wreck is probably from the at-fault driver’s insurance company. The insurer will inevitably seek to obtain a statement from you regarding how the accident occurred and whether you were injured as a result of this accident. It is important that you understand what the insurance company is trying to do during this recorded interview.
WHAT IS THE INSURANCE COMPANY TRYING TO DO IN A RECORDED INTERVIEW AFTER A CAR ACCIDENT?
When a statement is obtained early in a claim, you can capitalize on the fact the claimant is less likely to be tainted by outside influences such as secondary gain or adverse counsel. Therefore, in this small window of time, you have an opportunity to develop legal defenses by locking down his position on the potential issues for litigation, including the date, time and place of the accident as well as any witnesses and the specific body parts involved. As time elapses, memories fade, witnesses disappear, evidence can be lost and if his statement is not taken for several months or even years after the accident, the claimant may be “excused” by an administrative law judge for having a less-than-clear recollection of the events. Thus, we want to provide a roadmap for taking a thorough and effective statement when the first opportunity presents itself.
If you have a question about what steps you should take after a car accident, contact The Sessions Law Firm today for a free consultation.
It is critical that you recognize that, as an insured, you have certain obligations to under your insurance contract, you have obligations to YOUR insurance company. Those obligations include providing notice to YOUR insurance company of the car accident and to cooperate with the insurer during their investigation of the claim. However, you are not required to cooperate with the at-fault driver’s insurance company.
In our “Tips of the Day“, we try to provide helpful suggestions for people that have been injured. If you have questions that we have not addressed, please let us know.