After sustaining an injury during a motor vehicle accident, regardless of who caused the crash, you must use caution when speaking with insurance representatives.
Bear in mind that insurance companies seek to minimize their payouts in any incident, whether the claimant is their client or not.
Should you speak to your own insurance company?
Many insurance policies require that the insured inform the company of an accident within a certain number of days. You should report the wreck to your own insurer, but you do not need to go into specific details other than where and when the incident took place and whether your vehicle sustained damage.
Your insurance company may ask who caused the wreck, but you can say you do not need to go into particulars. Saying as little as possible can help victims of accidents recover damages for legitimate injuries.
Should you speak to the other party’s insurance representative?
You are under no obligation to speak to the other party involved in your accident or their insurance company. Agents from opposing insurers may attempt to get you to admit fault and have years of experience doing so. Refusing to take those calls could prove beneficial for you in any lawsuits you may decide to file.
Though you can speak with anyone you choose, take care in what you reveal to insurance representatives. Your goal is to maximize a potential payout from an injury while theirs is to minimize it. Remember this in your dealings with any insurance companies in the aftermath of a car wreck.