Should I talk to an insurance company right after my accident?

Picture of Kyle E. Wright
Kyle E. Wright
10/11/22 10:46 AM
Tags: Personal Injury

To start this article, we want to just say that you should always talk to a personal injury attorney before answering any questions from an insurance company. A Toledo, Ohio personal injury attorney can help you prepare for these situations by guiding you through the answers you need to give and helping ensure the insurance company doesn't take advantage of your situation.

But What If the Insurance Company Calls Me?

You should be honest with the insurance adjuster, but don't volunteer any more information than you need to. For example, if they greet you with "Good afternoon, how's it going?" we've seen them using the normal response of "I'm good." as an excuse in their case as to why they don't need to give you a settlement. Greetings and call formalities shouldn't be used in this way... If you can't get ahold of your attorney before they reach you, then only disclose:

  • Your name and the names of others involved in the collision.
  • The date, hour, and location of the incident.
  • If you're able to identify the make and models of the cars involved.
  • And the at-faults' insurance company name.

Stick to the facts and avoid discussions about faults or injury. Do not sign any documents. You should also avoid giving statements or providing them with copies of your medical records. Your attorney may advise you to write out a detailed account of what happened and then ask them to review it before signing it. When talking with an insurer, you have a legal obligation to fully disclose the circumstances surrounding the incident, but you have the right to consult a lawyer before doing so.

Should I talk to an insurance company right after my accident?

There are risks involved when speaking directly to an insurance adjuster.

Remember, when dealing with an insurer, they're for-profit businesses that want to pay you the least amount possible. So when talking to them, keep in mind that they might be using what you tell them against you to help their case.

Below are just some example scenarios where an insurer might use your statements against you.

  • The accident was partly or entirely your fault.
  • You were intoxicated before the time of the accident.
  • You have medical conditions which could be a factor in the crash.
  • Your injuries aren't that bad.

Don't discuss your case on a public platform.

When it comes to sharing personal information online, we should all take precautions to protect ourselves and others. Avoid sharing too much information about your case on Facebook, Twitter, Instagram, Snapchat, or anywhere else that is public. Your insurance provider might see it and attempt to use that information against you. Even if you mean well by it, things can be taken out of context online.

A personal injury lawyer can help you get compensation for injuries sustained from an auto accident.

After an auto accident caused by another driver, you may feel stressed and overwhelmed. Your worries include paying for medical treatment and any related costs, plus dealing with the claims adjuster from the at-faults' insurer.

We're here to help you feel less anxious. When we take on your case, our attorneys can do the following for you:

  • Look into the details of your case.
  • Gather supporting evidence for your case, collect documents, photos, videos, etc.
  • Interview eyewitnesses and people who know what happened to get their input.
  • Communicate with both sides' attorneys and their insurers.
  • Negotiate fair compensation from the insurance company.
  • If the other party doesn't agree to settle out of court, we help prepare for trial.
  • and much more!

Don't delay seeking legal representation for your accident case.

If someone is at fault for injuries related to an auto accident, you must bring your lawsuit within two years after the date of the accident.

Contact us right away if you're injured. We'll ensure all paperwork is filed on schedule, so you don't miss out on any opportunities for monetary recovery. If you call us sooner rather than later, we'll be able to gather evidence from the scene and start building a strong case on your behalf.

Guide me through Personal Injury!

Maybe you have already been in an accident or are just curious about the process. That is okay. We are here to help you. Check out our series on how you should be thorough in reporting after an accident If you have been injured in an accident and have questions, don’t hesitate to reach out to us.

Check out our comprehensive guide to Personal Injury!




Author: Kyle E. Wright     Published: 10/11/22 10:46 AM     Tags: Personal Injury


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This website provides general information about Ruck & Wright Law, Ltd, which is not to be construed as legal advice. The content within this site does not establish an attorney/client relationship, and accordingly confidential information should not be submitted without first obtaining specific authorization.