How do you handle the insurance companies after a car accident?

You should promptly notify your own insurance company about the accident. But do not speak to anyone who contacts you from the other driver’s insurance company.

A claims representative from the other driver’s insurance company will contact you, sometimes within hours of the accident. They may seem friendly, and even sympathetic. But they have one simple job: settle your injury or death claim for as little as possible. They are trained to ask questions in ways that will hurt your case. You may not even realize the significance of what they are asking you until much later in the case.

Never answer questions about the nature and extent of your injuries shortly after an accident. An accident can be more serious than you initially perceive it to be. Some injuries do not reveal themselves for several days or even weeks. Minor symptoms can be a precursor to a much more serious injury that manifests over time. It is always best to check with your doctor if you are experiencing any pain, numbness, weakness or other symptoms after an accident.

Remember, you have no obligation to speak to the other driver’s insurance company, or sign any documents, without an accident attorney representing you. Instead, simply inform the claims representative that you are hiring a lawyer, and that you have nothing to say at this time. Then hang up or close the door.

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