What Will Happen When I Talk to My Insurance Agent After a Car Crash

Posted on: May 22, 2020
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California requires all drivers of motor vehicles to possess a minimum amount of insurance in the event of an accident. However, insurance companies are notoriously difficult to deal with when it comes to using the policy for its purpose — to cover accident damages. Here’s what to know when discussing your accident with an insurance agent. 

How to Approach Your Insurance Adjustor   

Once you’ve obtained any medical help you or someone else needs after the collision, you need to contact your vehicle insurance company. Whether you or someone else was at fault for the crash, you’ll still need to report it to take advantage of any benefits your own policy may offer. However, be aware that your insurance company may not be cooperative if they are expected to make a payout. 

How to Approach The Other Side’s Insurance Adjustor 

You will have to discuss the incident with your own insurance provider, however, you are not required to do the same for the insurance company of the other driver. Ideally, you should not be making any statement to their insurance carrier. However, be prepared for them to contact you and attempt to pressure you into answering their questions. It’s important to be aware of your rights and that you are under no legal obligation to speak with them. 

What Should I Say to An Insurance Company?  

Considering what you should say to the insurance company when working with them? Keep these issues in mind: 

  • They’re likely recording your statement. If it can help them avoid making a payment on your claim, they may try to use your own words against you. 
  • They want you to give as much information as possible. Avoid volunteering what they don’t ask for and instead stick to answering only the questions asked.  
  • You can say “I don’t know.” Insurance agents may pressure you for answers, but if you don’t remember what happened, it’s reasonable to say so. 
  • You can refer the insurance company to your injury attorney. You don’t have to talk to an insurance company when you have a lawyer — instead, your lawyer will act as a go-between. 

We Help Car Accident Victims Navigate the Red Tape. Call Now  

Zink & Lenzi Injury Lawyers are committed to helping car accident victims deal with insurance companies on both sides and will work diligently to seek the compensation you or your loved one deserve. Call now for your free consultation to discuss your case at 530-895-1234. 

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