Car Insurance Carrier: What You Need To Know
The state of California requires all drivers to carry motor vehicle insurance in the case of a car or truck accident. That doesn’t mean that reporting an accident or working with insurance agents to negotiate compensation will be straightforward, however. Here’s what you need to know before talking to any insurance company after a collision.
What to Do with Your Insurance Carrier
After the collision and getting any medical help needed, you’ll have to report the incident to your motor vehicle insurance provider whether the other driver was at fault or not. You may have benefits on your policy that can help pay for damages. That said, remember that your insurance company would rather not make a payment on a claim and be judicious when dealing with them.
What to Do with Their Insurance Carrier
While you will have to answer some questions asked by your own insurance company, you aren’t required to do the same for the insurance company of the other driver involved in the accident. If they call you, they may pressure you to speak or make a statement, but it’s important to remember that you don’t legally have to and not saying anything may be in your better interest.
Follow These Guidelines for Talking to an Insurance Adjustor
Here are some things to keep in mind when dealing with any motor vehicle insurance company:
- Refer the insurance company to your personal injury lawyer. If you have an attorney, ideally, the insurance company will speak with them about your claim and you will be involved only through your lawyer.
- Avoid guessing. If you don’t remember what happened, let the insurance agent know. “I don’t know” is a perfectly acceptable answer.
- Don’t give more information than you have to. Answer questions succinctly and avoid getting into too much detail. Don’t offer up information that isn’t requested.
- Remember who the insurance company works for. Insurance companies will do everything possible to keep from losing money on a claim, even if that means using what you’ve said against you. Be judicious about what you tell any insurance agent.
Hurt in a Car Accident? Let Us Advocate for You Today
You may be entitled to compensation after a car accident either through your insurance company, the other driver’s insurance company, or a civil suit. Experienced California personal injury attorney Carl Brown can help. Call today for your consultation at (559) 431-4400.