If you are involved in a collision, you may get a call from the other party’s insurance company. They may ask you to talk about what happened to cause a car crash or inform you that they have a settlement offer available.
Understand that the insurance company cannot have any idea how much money you need or be clear on what happened within hours of a collision. You may not even know the severity of your own injuries or be clear on what happened yourself. This is why you should not talk to these agents.
You aren’t obligated to talk to an insurance company
You should know that you are not obligated to talk to an insurance company. Even though the insurance company may say that you’re required to talk to them or that they need your statement, you have the right to refuse or ignore their calls. You can forward them, instead, to your attorney.
Remember that the other insurance company isn’t on your side and may not be there to help you in any way. They could end up using your words against you, so that you end up being offered less than you deserve or accused, in some part, of causing the collision.
Why would an insurance company press to speak with you instead of your attorney?
Attorneys are skilled and know what they should or should not say to an insurance company. On the other hand, you probably aren’t as familiar with protocols or how insurance companies try to manipulate stories to their benefit. Those companies, and their agents, are trying to save themselves money.
There is really no benefit to speaking with the insurance agent on your own, because their goal is to gather information to use against you to block or minimize your claim. Your goal, alternatively, is to do everything you can to get the most out of your claim.
To help yourself, one of the best things you can do is to refuse to talk to the other insurance company without the right legal knowledge and guidance. You need to protect yourself, or your claim could be damaged.