In the event you’ve been involved in an accident, it’s likely one would want to move on from it by filling out important forms, repairing one’s vehicle, and focus on getting better. However, this could all come to a halt in the event a call comes through from an insurance company – who isn’t your insurance company.
Who are these people? What do they do? How should you respond? If you find yourself in any of these conundrums, it’s important to know how to respond to avoid any unnecessary problems that can easily make things considerably more difficult than they need to be. With this being said, here’s a look at what to do in the event another individual’s insurance company tries to contact you for further information.
What To Do If Another’s Car Insurance Company Contacts You
First off, it’s important to remain calm and polite in the event another car insurance company reaches out to you. Before a single question is answered, it’s important to get their title, what their name is, and what company they work for. Once this information is written down, only supply them with the bare information that you can give them. If they’re requesting your phone number, address, or name, feel free to offer such information.
However, it’s important to not mention your insurance claims, your insurance company, your injuries, or any information regarding the accident. Make sure that topics of discussion are noted as well for your documentation purposes.
If you’re looking to prevent any situation when another person’s insurance company frequently tries to reach you, it’s important to finalize the conversation in a proper manner. Let the insurance company know that they shouldn’t reach out to you, yet you will contact them in the future.
What Do You Do Not Have To Provide
Other information that you do not have to provide to another’s insurance company would include:
- You do not have to speak to their adjuster – In many states, one is only legally required to communicate with their own insurance company. If you uncomfortable speaking with another’s an insurance agency, you may have a few different options. You may either deny their call, request that they speak with your insurance company, or tell them that you’re only willing to communicate with them in the event your lawyer is present.
- The insurance company knows it shouldn’t be calling, yet continues to do so – Some insurance companies are aware that they shouldn’t be contacting you, yet still try to seek information. If this is your case, it’s important to let them know that you do not wish to speak with them. If this is your case, expect them to reach out to you in the near future.
- The opposing insurance company isn’t your friend – The main goal of the opposing insurance company is to give you as little pay as possible or not pay at all. They are not around to work in your favor and they couldn’t care less how severely you have been injured. At the end of the day, everything boils down to money and how they can not pay you for your injuries. They are determined to trick you and convince you that the accident was your fault, or that your injuries are minor and they do not require any care. Given their motivation, keeping far away from an opposing insurance company is advised. If they can’t deny your claims, they’ll try to convince you to settle for considerably less than what you’re asking for.
- They will weaponize any information you give them – An opposing insurance company will ask probing questions that will seem unrelated to the case, which will allow you to put your guard down and vulnerable to their harder-hitting questions about the case. This usually leads to them forcing one into a settlement or using the information given (from you) against you in court. Answering their questions puts you at risk in court, which makes it more difficult for your attorneys to represent you and help you win your case. An opposing insurance company is aware of your weakened state, with them being well aware of the information they can siphon from you when you’re not 100%. You are on their turf and they know the rules if they’re reaching out to you.
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- Do not give them a statement or let them record the conversation – Some insurance companies are less aggressive than others, which may explain why they’ll become chatty in the worst way. One of the big tricks they’ll do is they’ll try to make you agree to the recording of your conversation with each other and claim that they want further details regarding the accident. However, them recording your statement is one of the worst things that can happen to your case. The slightest inconsistency between their information from the accident and your explanation of the accident will be used against you, which will destroy your case altogether. Given how long ago the accident may have occurred, the details will be foggy in your brain, and talking with another’s insurance company will derail your entire case for the worst.
Considering the information above, it’s incredibly important to avoid speaking with an insurance company that isn’t your own after an accident. In addition to being bad for your case, it can destroy the purpose of pursuing legal action, to begin with. Thankfully, we’re here to help prevent this from happening. Contact Johnson Law Firm today for further information!