After an auto accident, you may have to deal with multiple insurance companies. You must provide your insurer with information about the accident so that you can make a claim. However, you do not have to speak with the other party’s insurance company. In fact, it may be a bad idea to do so.
Out of Context
One of the biggest issues with talking to the other party’s insurance company is that you could say something it will use against you. Remember that insurance companies do not want to pay out on claims. They will do everything possible to minimize how much they must pay you.
If you are not at fault, then keep in mind that you have a right to compensation for your losses from the accident. If you must speak to the other insurance company, then make sure that you only state the facts. USA Today explains that you should never elaborate and stick to simple answers.
The Blame Game
You should also avoid accepting blame in any form for the accident. Do not respond to questions about who is at fault. Even your hesitation to say could be something an insurer will use against you.
Fault is not usually straightforward. It can be very complex. Make the insurance company do its own investigations to figure out who was at fault.
If the accident results in serious bodily injury to anyone involved, either you or the other party, you should avoid speaking to the insurance company. In these cases, the insurer will likely be incredibly aggressive in trying to pin the blame on you and getting you to admit fault in the situation so that it can reduce its liability.
In this case, you should let your auto accident attorney in Columbia MD handle all communications to best protect your interests.
In most situations, you want to avoid speaking with insurance companies because they aren’t looking out for your best interests. You want to avoid giving them any help in denying your claim or paying less than is fair.