What To Do If Someone Else’s Insurance Company Calls Me About My Injuries?
If you have been in a car accident, you want to focus on getting better, repairing your car and filling out the command forms. You want to move advancing. One day, however, you get a call from person from an policy company — but it is not your indemnity company. They are a representative from the company insuring the other person who was in the accident. What should you do ?
If this happens to you, you need to be prepared and understand how to respond. Make surely you protect your rights after you have been in a cable car accident.
Tips for Talking With an Insurance Company Contact
If another insurance company contacts you, be civil and stay calm. Before you agree to answer any questions, get the name of the company angstrom well as the person ’ mho mention and title. Write down this information. Give them the plain minimal of information, though. only tell them your name, address and phone count if necessity. Do not volunteer any information about the accident, your injuries, your insurance company or your policy claims. Take notes during the conversation on the topics you discuss. To prevent a position where the other driver ’ mho policy company keeps calling, end the conversation correctly. Let the early driver ’ mho insurance adjuster know that they should not contact you, but you will contact them. here are some other things that you should know if you receive a call option.
1. You Are Not Legally Obliged to Speak to an Adjuster From Another Insurance Company.
In most states, you are legally only required to speak with a representative of your own insurance company. If it makes you uncomfortable to speak with another policy company ’ second representative, you have a few options. You can decline to talk with them, you can ask them to call the adjuster from your policy party, or you can tell them you will alone speak to them in the presence of your lawyer.
2. Insurance Companies Know This, but They Will Call You Anyway.
unfortunately, many people do not merely say to the policy adviser from another company, “ Sorry, I precisely don ’ triiodothyronine want to talk right now. ” Adjusters for other insurance companies know this and try to take advantage of it. then be disposed and expect a call sooner rather than belated.
3. The Other Insurance Company Is Not Your Friend.
The number one goal of the other driver ’ s policy company is to pay you as little money as possible, and none at all if they can help it. They do not have your best interests at heart. They do not care how badly you may be injured. It is all about the money. One of the main reasons the early driver ’ sulfur policy company calls you is to try to trick you into providing tell that the accident was your mistake, that any injuries you may have suffered were minor or that you did not have any injuries at all. This is another thoroughly rationality why you do not want to talk to the other policy company without your lawyer present. These companies have two main goals in mind :
- The first goal is to deny as many possible car accident claims as they can.
- If they cannot deny the claim, the second goal is to negotiate the lowest possible settlement.
4. Anything You Say Can and Will Be Used Against You.
An adjuster for another driver ’ mho indemnity company will probe and ask questions that on the surface do not seem related to the incident at all. What they are trying to do is to draw you out to answer the question in a way that they can use to force you into a liquidation or against you if you file a claim and it goes to trial. When you talk to the adjuster for the policy caller of the other driver, you are risking damaging your indemnity claims. Remember, these insurance adjusters do this every day. They know that you have been in an accident and are not feeling all that well. They are trained to look for tell they can use against you. You are on their turf, and they know the rules of the game. They will use those rules against you if they can.
5. Do Not Let Them Record You. Do Not Give a Written Statement.
Most policy adjusters do not come at you wax force out. rather, they will try to be chatty and convert you that they are equitable trying to get the best potential details on what happened. One of their favorite tricks is to try to convince you to allow them to record the conversation. They will say something like, “ This will go much faster if you can give us a record statement. ” Do not do it. A record instruction is one of the independent ways you can damage your case. policy adjusters for other companies will use a read statement to undermine your accident claim. How do they do that ? The other driver ’ s indemnity adjuster will examine the argument that you gave to the police at the picture of the accident and the one that you gave to them, ampere well as any statement you may have made when you filed your claim. They are looking for the slightest incompatibility so they can deny your claim. Four or five months after an accident happened, it is not unusual for a person to relate the details of an accident slenderly differently. Giving them a record statement allows them to look for those inconsistencies. Adjusters will ask you those unusual questions that we mentioned above, ones that are designed to undermine your claim. sometimes they will encourage you to agree with something that you know is not true. If you just want them to leave you alone, or to change the line of questioning, you may say something like, “ Maybe, ” or, “ I guess so. ” This is that what they want you to do. If a claim goes to trial, the early party ’ randomness refutation team will use your record statement during cross-examination. It is potential that you could have made the statements which they recorded months ago and you have a difficult fourth dimension remembering what you even said. This is the ambush they have laid for you. If you flush slightly contradict what you said in a record instruction while you are on the stand in a trial, the other party ’ sulfur attorneys will zero in on that discrepancy and will make certain the jury pays cheeseparing attention to it.
6. Never Admit Fault or Say You Are Not Hurt.
When you are in an accident, the actual details can be bleary sometimes, specially if you suffered a concussion or whip. possibly you are not surely who precisely was to blame. Regardless, never admit that you are responsible even a bantam moment for the accident. You can seriously damage your case if you admit to the indemnity adjuster that you were or might have been responsible for the accident. The like holds true about injuries. It is authoritative to remember that in the first day or two after an accident, specially a serious one, your body is producing a set of epinephrine. Adrenaline can act as a mask for more serious injuries. You might feel fine the irregular or third day after an accident, but once the epinephrine fades in a week or then, you may notice that your neck hurts, or it is afflictive when you touch your stomach or have other serious symptoms. Adjusters will use many different tricks to get you to say that you have not been injured or that you are feeling approve. besides, if you know you are in pain, do not mention it to the insurance adjuster. Just say that you are waiting to hear back from your doctor or that you have not had clock time for a proper aesculapian interrogation, so you do not know.
7. Only Answer the Question Asked.
When the adjuster from the other party ’ south insurance company calls you, they will try to engage you in a friendly chat. Their chief goal is to trick you into thinking is barely a friendly call, and they want to make indisputable that you are okay. It is not a friendly call, and they do not care how you are feeling. They are merely looking for ways for you to trick you into giving evidence against yourself that they can use to deny your claim or give you a colony that is much lower than what you deserve. so do not get into a “ friendly chat ” with the policy adjuster. Do not give them any detailed descriptions about the accident, or any injuries that you may have suffered or what you think of the entire situation. You should good never discuss any of these details with an adjuster. It is o to mention any possible damages to your car but never discuss injuries or the actual details of the accident. One of the questions that insurance adjusters ask most frequently is, “ In your opinion, who had the concluding opportunity to avoid the crash ? ” They are probing to see if there is something that you could have done to avoid the accident at the last second. Was the radio on excessively forte ? Were you looking at your smartphone ? Were you distracted by something you saw the street ? normally, the adjuster asks this question because they know that the driver they represent was at fault and they are trying to find some way to reduce that indebtedness by implying that you had a prospect to avoid the accident. The best answer you can give is, “ I guess the person who hit me had the last opportunity. ” Be honest, but do not give any more information than you need to. Keep it simple and straightforward.
8. Never Agree to a Settlement Over the Phone or Sign Anything.
One of the reasons that adjusters for the early driver ’ s indemnity ship’s company will call thus soon after the accident is that they want to push you into agreeing to a village arsenic soon as they can. This is particularly genuine if they know that their driver was primarily at fault. indemnity adjusters know that anyone who has been an accident is a fiddling unsettled for a day or two. They will try to use your condition as leverage to force you into accepting a village. never accept a village over the earphone. On the inaugural sidereal day or two after the accident, you have no theme what medical bills you are going to have, how long you may be off work or how a lot it will cost to repair your car. If you take the colonization offer, you will probable be settling for army for the liberation of rwanda less than you deserve. Resist the pressure and tell them that you have no interest in settling at the moment.
9. Sometimes Your Own Insurance Company Is Not Your Friend Either.
Pennsylvania is a no-fault policy state. That means most of your medical bills or lost wages are going to be covered by your own indemnity company. This means that you need to be as careful with your own policy company as you are with the indemnity company of another driver. about all the advice above applies to your own indemnity party a well. You may be required by law to give a recorded affirmation to the ship’s company, but if you must do so, make surely that your lawyer is present. Again, you want to be honest and aboveboard, avoiding embellishments or chatty conversations. If it was a good accident, the police are required to file a report in Pennsylvania. For that reason, you should constantly refer the indemnity company to the police report when they ask you about how the accident came about. Another rationality for caution is that Pennsylvania employs a modified comparative negligence system when determining compensation and personal injury cases. That means the indemnity company can reduce any benefits or compensation you may receive by the percentage of the accident that you are judged to be responsible for. indeed if you are judged to be 30 % responsible for a car accident, and you are awarded $ 10,000 in compensation, your award will be reduced by $ 3,000. This is why you should never admit fault for the accident or say that you are uninjured, even when you are speaking with your own policy company.
Are There Any Times That I Should Talk to the Other Insurance Company?
Yes, if the accident was a minor one – a fender carouse or slight incision. If you are completely certain that any injuries or damage are minor or nonexistent and it is clear that the driver of the early vehicle was responsible, it may not be a badly theme to talk to the other policy company. But if there is the slightest casual that your injuries or damages are more significant than you think or if there is any question about who is responsible for the accident, then all the suggestions above apply. You will want to give out the bare minimal of information. Offering your mention, address and earphone phone number is fine. however, you should not volunteer details about :
- The accident itself, including how it happened.
- Any injuries you incurred.
- Your own insurance claim.
- Whether you have discussed the case with a lawyer.
Make it clear when you end the conversation that you would prefer express telephone liaison in the future. Under no circumstances should you agree to settle while on the telephone with the other company. They may push you to do so, as it is in their own interests to limit the come paid out. But you likely deserve much more than they will offer you, so you should refuse a hasty settlement choice.
Read more: Credit Saint Credit Repair Review
Do I Need a Lawyer?
Yes. Hiring a personal injury lawyer is the best manner to protect yourself if you have been badly injured and face the prospect of missing many days at ferment. Remember, as we mentioned above, indemnity adjusters for other companies are used to doing this on a casual basis. That is why you need person who has good arsenic much have dealing with these cases as they do. A personal injury lawyer will make sure no one takes advantage of you and that you get the recompense and benefits you deserve. If the early driver ’ south insurance company keeps calling or you are concerned that the early driver ’ mho insurance adjuster will call after an accident, speak with an experience lawyer to protect yourself and your rights.
Before You Speak to Any Insurance Company, Speak to Our Car Accident Lawyers at KBG Injury Law
If you remain uneasy about what to do if another policy company calls, you should speak with an experienced lawyer about your case. Contact KBG Injury Law, you can call us at 1-800-509-1011, or request a absolve consultation.