After an accident, insurance companies for both drivers try and sort out
liability, hinging on the vehicle’s damage, eyewitness testimony,
video and photographs and medical records. You may even get a phone call
from the other driver’s insurance company hours after a crash,
but talking to them this early on may be to your disadvantage.
Even if the accident was not your fault, an insurance company’s goal
is to pay out as little as possible on the claim; in fact, giving you
nothing would be optimal for them. Once they’re informed about the
accident, an insurance company assigns an adjustor to your case. The job
of this adjustor is to extract information from you that the company may
try to use against you. Usually, their tactics come off as unassuming
and friendly on the phone, which makes it easy for people to talk more
than they should.
However, there is no legal requirement for you to talk to the other person’s
insurance company. If you want to speak to the insurance company, only
give limited personal information such as your full name, address, and
telephone number. Whatever you do, do not talk to them about the details
of the accident or your injuries. If they ask for a statement, simply
refuse and let them know that your investigation of the accident is still
ongoing. If you plan on filing a personal injury claim, you will have
to make a written demand for compensation, in which you will describe
the accident in detail, but not beforehand.
An insurance adjustor may also offer a settlement during the first phone
call. Quick settlements are thrown out there to save the insurance company
time and effort. However, these settlements are usually peanuts compared
to what you can actually get.
If you’re injured in an accident, you need to contact our
Longmont personal injury lawyers at Jorgensen, Brownell & Pepin, P.C. immediately. If you enlist the
legal guidance of our firm, we talk to the insurance adjustors on your
behalf and negotiate with them for a better settlement. If you’ve
been severely injured, it’s important you have enough money to cover
your expensive medical bills and lost wages.
Call (720) 809-8310 or contact us online
for more information about our services.