When you get in a car or motorcycle accident that was caused by someone else, you’ll want to file an insurance claim to be able to pay for any medical and/or damage repair bills. When the accident is another driver’s fault, you file the claim with their insurance company. This can come with complications and difficult negotiations, as many insurance companies try to pay as little as possible to cover your expenses. It isn’t unusual for a company to send out their own investigator to determine what happened, and you may be contacted by the company directly. They can use anything you say against your own claim, so it’s essential to know what to say if you have to speak with them.
Do You Have to Speak with an Agent from Another Insurance Company?
First and foremost, you are never legally obligated to speak to the other insurance company, but they may call to question you about the accident. During this discussion, they may try to weed out statements that prove you were partially at fault for the accident or that your injuries are not as bad as you have claimed. It is generally better not to talk to them at all to prevent any missteps that could negatively impact your case.
When Is It Advised to Speak with the Other Insurance Company?
The only time you may want to consider speaking to them is when they have the facts about the accident blatantly wrong because the other driver has lied or has not informed them. Instead of talking to an agent yourself, it’s a good idea to have a lawyer speak to them on your behalf. Lawyers have ample practice when communicating with insurance companies, and they always have your rights in mind when doing so.
What Should I Say if I Have to Speak with Them?
If you need to speak to an agent, never tell them anything more than they ask, and don’t inform them about the extent of your injuries. If you think your injuries are minor or that you may have been partially responsible for the crash, don’t report this. In addition, don’t give them permission to record your statement. Only relay the facts as you remember them, or tell them you simply don’t know, as that is a valid answer too.
Many people feel uncomfortable speaking to agents, and you can always contact a lawyer for help or representation. Having a motorcycle accident lawyer, like from John K. Zaid & Associates, speak to them in your place can ensure you aren’t accidentally risking your chances of compensation.