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Am I Obligated to Speak to the Insurance Company After an Accident?

Am I Obligated to Speak to the Insurance Company After an Accident?
Klein Frank, P.C.

In the aftermath of an accident, many people are completely thrown off guard and unable to process what they have just experienced. This shock can last for several days or weeks, leading people to make potential mistakes which harm their process of obtaining the compensation they deserve. If you have been involved in an accident, you are likely overwhelmed by the prospect of fighting to prove your claim. During this time, it is vital you do not incriminate yourself by accidentally saying too much or unintentionally misrepresenting the incident. Though you are required to report the accident to your insurance provider, you are not legally obligated to speak to the other driver’s insurance company.

After the person you were involved in an accident with files a claim, their insurance company’s representative will likely contact you in request of a written or recorded statement. Even the most innocent statement can be misconstrued to fit a narrative that works against you. Without an accurate idea of how the opposition is attempting to shift or assign blame, you jeopardize having your own words used to your disadvantage.

For example, a friendly adjustor may attempt to win favor with you by approaching you in a casual, conversational manner. He or she may raise seemingly harmless questions or breach unrelated topics in the interest of cornering you. When your guard is down, you cannot predict how an offhand comment about your life will be used to undercut or deny your claim. The opposing insurance provider may even obtain evidence to hold you liable for the incident. Therefore, it is essential you eliminate this risk and avoid talking to the insurance company altogether.

Injured Due to No Fault of Your Own? Consult Our Skilled Personal Injury Attorneys Today

At Klein Frank, P.C., we have successfully handled countless injury cases thanks to our exceptional commitment to justice and unparalleled experience. Our legal team offers honest, personalized, and comprehensive legal guidance and representation for those in need. We will work tirelessly to ensure we deliver the compensation you are entitled to.

Don’t hesitate to schedule an initial case evaluation with a member of our firm by calling (303) 622-3876.

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