When you’re involved in an automobile accident, it’s fairly common for the at-fault driver’s insurance company to try to contact you quickly, sometimes even before you’ve had a chance to consult with your own insurance company, hoping to gather some information that will lead to a quick resolution.
If this happens to you, what should you do?
Avoid Taking the Call, if Possible
If the other company’s adjuster calls you, give them the contact information for your company’s adjuster. They understand the claims process and will know what to say, and what to avoid saying that may adversely impact your claim later. You can’t lie, but you can control what you say and how much you will reveal.
According to the terms of your insurance contract, you must talk to your own insurance company, but you are under no obligation to talk to the insurer of the other driver. If you don’t, the company will likely send you a letter asking you to contact them, but once again, you are under no obligation to do so.
Don’t Consent to a Recording
If you take the call, make it clear that you do not consent to having the conversation recorded. If the call is being recorded and you answer questions about the incident, the recording will likely be used against you later should your case wind up in court.
Tell Them to Contact Your Insurer or Your Lawyer
The best plan of action when the other driver’s insurance company calls is to avoid the call entirely. If the adverse insurance company wants your side of the story, they can contact your insurer, or better yet, your attorney.