Let us face the facts, speaking with an insurance adjuster after being involved in an auto crash can lead to very serious consequences. This is because the victim of the car crash might end up saying things that he or she shouldn’t which would end up affecting his or er case. This brings us to the question “should i talk to the other insurance company after an accident”? Another truth is once you have been involved in a car crash, the next question that pops up is finding out who takes liability for the accident.
Insurance companies are well known for protecting its interests and ways by which they can try to achieve that is by denying claims and ensuring that negotiations with victims often results in the lowest possible amount. Once an insurance company gets a news on a car crash, an investigation is opened up immediately which is aimed at figuring out who is at fault for the accident and in order to figure this out, an insurance adjuster gets assigned to work on this case. If both drivers involved share faults then apportioning a degree of fault is possible.
If the victim of the accident decides to establish the damages he suffered as a result of the car crash then the insurance adjuster moves to try and settle the case but the tricks of these insurance adjusters is that they would offer a settlement that would turn out to be lesser than the actual damages suffered. Since the insurance adjuster is on the payroll of the insurance company then he doesn’t hold the interest of the victims at heart and even though they try to be friendly an show concern, it might be an act so you can say something to affect your case. This is why talking to an insurance adjuster is not really advisable.
Should I Talk To The Other Insurance Company After An Accident
Talking to the other insurance company after an accident isn’t advisable in my own opinion because they would use it as a medium to get some information from you. Insurance adjusters believe that keeping the line of communication open between you and them provides an opportunity for you to say something that can actually be used against you. This is basically logical because humans think or believe that when people are nice to them, they decide to be honest and let out things that they shouldn’t.
Most people think they are quite familiar with the laws which relates to accident cases and they also have the believe that they have a good case but oftentimes, this really isn’t the case. There is the possibility of making some legal maneuvers if a victim truly wants to end up getting compensated after a car crash and at the same time, there are also legal pitfalls that awaits an unsuspecting car crash victim. In some cases, the insurance adjuster would ask the victim to make a recorded statement which prompts the victim to be honest.
When this case eventually gets to trial, the insurance adjuster can also claim that the victim has been making inconsistent statements with proof lying in the recorded statement. This can be used in making the jury question the claims of the accident victim and in this case, the credible person turns out to be the defendant and not the victim. This is why we said talking to another insurance company is a NO NO because they do not represent the interest of the victim. Hiring a personal injury lawyer is what most car accident victims do.
This personal injury lawyer would be in charge of speaking with the other insurance company and asides from getting a victim to make a recorded statement that might end up getting used against them or trying to extract information from them, the insurance company might be talking to a victim so they can get to sign a medical release form. Signing this form means that the insurance company can go through the victims medical records and in most cases, these medical records are broader than necessary.
In addition, any information the insurance company gathers from the medical record might be used against the victim which might lead to the insurance company denying the claim. This is why we strongly advise car crash victims to hire a lawyer because an experienced personal injury lawyer would handle the claims process and also the communication between the victim and the other insurance company.