Being involved in a crash can be stressful and confusing, especially immediately after it. However, you should take calculated steps, as mistakes can harm your case. And talking to the other driver’s insurance company may be one of the mistakes.
The driver at fault may contact their insurer, who may, in turn, want to talk to you. You are not legally required to accept this request, and here are two reasons why you should not do it.
Low settlement
The other driver’s insurance company wants to speak with you to make a quick settlement before you even file a claim. The chances are this settlement would be unfair.
This is because you still don’t understand the extent and severity of the injuries. You need medical attention to know how serious your injuries are and how they will affect your work and life. It’s challenging to assess this immediately after the accident, more so without professional help.
They are not serving you
Remember that the insurer represents the other driver – they are not serving you. They may look for a way to put a part of the fault, if not all of it, on you. What you say can be used against you.
Further, the insurer may ask to record the conversation. This way, they can weaken your case should you misremember things or make a different statement later. Thus, if possible, avoid talking to the other driver’s insurance company. If you are injured in an accident, get legal assistance to do the talking for you and fight for the compensation you deserve.