How Do I Deal with Insurance Companies After a Car Accident?

How Do I Deal with Insurance Companies After a Car Accident?

Direct Answer: Be cautious, provide only basic information, avoid recorded statements without legal representation, and do not accept quick settlement offers. Insurance adjusters work for their company's financial interests, not yours, and may use your words against you to reduce or deny your claim.

Report the Accident But Limit Your Statements

You must notify your insurance company about the accident promptly, as your policy requires. However, keep your initial report factual and brief:

• Provide the date, time, and location of the accident
• Share basic information about the other parties involved
• Avoid speculating about fault or the extent of your injuries
• Do not agree to recorded statements immediately

What to Avoid When Talking to Adjusters

Insurance companies train their adjusters to minimize payouts. Protect yourself by avoiding these common mistakes:

• Never admit fault or apologize, even casually, as these statements can be used against you
• Don't give recorded statements to the other driver's insurance company without legal advice
• Refuse quick settlement offers made before you understand the full extent of your injuries
• Don't sign medical releases that give adjusters access to your entire medical history
• Avoid discussing the accident on social media where insurance companies monitor your posts

Document Everything

Keep detailed records of all communications with insurance companies, including names, dates, times, and what was discussed. Save all correspondence, emails, and letters. Photograph your injuries and vehicle damage, and maintain files of medical bills, repair estimates, and other accident-related expenses.

Get Legal Representation Early

At The Law Offices of John M. McCabe, our car accident lawyers handle all communication with insurance companies on your behalf. We know their tactics, prevent you from making damaging statements, and negotiate aggressively for fair compensation. Our personal injury lawyers protect your rights while you focus on recovery.

Contact our car accident lawyers today to discuss your case before speaking with insurance adjusters. We work on a contingency fee basis, so you pay nothing unless we recover compensation for you.