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How soon should you call your attorney after a collision?

On Behalf of | Sep 10, 2021 | Car Accidents

After a motor vehicle collision, drivers can feel frustrated and confused. Not only do they worry about the extent of their injuries, but they are concerned about how bills will pile up while a car is being repaired and lost wages from time spent away from work recuperating. Through all this, the insurance carriers of all involved parties will likely exert a certain degree of pressure intended to bring the case to a close.

On the surface, it will feel like the insurance carrier is working with your best interests in mind. It is wise to remember however, that an insurance company is in the business of making money. Even when dealing with a long-time policy holder, they might take steps to ensure their own profitability. After a vehicle collision, it is wise to remember certain tips, including:

  • Provide limited information: You might feel like a conversation should include significant details about your personal life, but it is wise to keep responses limited to certain details. For example, you can share your employer’s name and the type of work you are responsible for, but the insurance adjuster does not need to know your salary, benefits or paid time off you can rely on while recuperating from the collision.
  • Include only the facts: When discussing the collision, the insurance adjuster will likely ask several layers of questions. While this might seem like they are simply doing a thorough job, they are also listening for factors that could ultimately devalue or deny your claim. It is important to share only the facts of the situation – no guesses and no estimates. Share the same level of information regarding your injuries. Since many injuries, such as a traumatic brain injury (TBI) could have delayed onsets, it is wise to keep this information to a minimum until you are comfortable with the complete diagnosis.
  • Avoid the push to sign a quick settlement: It is not uncommon for the insurance company to arrive at a fast conclusion to their investigation. Unfortunately, this settlement might not reflect what’s in your best interests. A quick settlement likely benefits the insurance carrier because they can close the file and save the cost of any additional work.
  • Do not give recorded statements: It is more and more common to hear that a customer support call is being recorded for “quality assurance and training.” When dealing with your insurance carrier, you have no obligation to be recorded over the phone or provide a recorded statement at any time. Opponents could use your answer against you in the future especially if you make a mistake or leave out some information.

For any complex insurance matter, it is wise to work with legal guidance. An experienced attorney understands what the insurance company is looking for and the information they need to proceed. Additionally, a lawyer can review your settlement to ensure all your needs are met.