Sharing Information With At-Fault Driver's Insurance



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What Information Should I Share With The At-Fault Driver’s Insurance Company?

Many people think their responsibility is to speak to the insurance company of the at-fault driver following an accident, but legal representatives advise you do nothing of the sort. There is nothing good that comes out of discussing your private case with the insurance company of the at-fault driver, and doing so could cost you the settlement you deserve. The insurance company wants to find any way not to pay you for the damage done to your car or health, and they’re trained to ask questions and carry on conversations that might make you say something you regret. Your job is to speak to no one and provide no information to the other company following an accident.

The Problem

Insurance adjusters are highly trained individuals. They are taught to ask questions in a manner that might confuse you. They are taught to ask you to answer things you’re not entirely sure of, to say things you don’t mean, and to lull you into a false sense of complacency. They are going to do whatever they can to throw you off the scent and make sure you’re unable to correctly answer questions. They’ll then take the information they tricked you into saying and use it against you so they can deny liability for the accident. This could cost you the medical damages and vehicle damages to which you are entitled.

Common Tricks

Insurance adjusters want you to make yourself the cause of the accident no matter what the accident report or other information states. They want you to sign paperwork you don’t realize is going to throw you off your gam and cause you to lose out on the money they owe you. The most common trick insurance adjusters use is asking you to sign a medical release. They’ll call you and discuss the case with you, probably agreeing with you how horrible it is to be injured and out of work for a while because someone else can’t drive.

They’ll befriend you, say whatever you want to hear, and then they’ll say they can get this case settled faster and more efficiently if you sign a medical release to them. They’ll tell you the release is so they can finish up their paperwork by filing all the necessary medical records from the accident, and you’re going to like what you hear. The problem is they have no legal right to a medical release. It’s not necessary for their records or their case. Your doctor will provide the accurate medical information to the insurance company, and it has nothing to do with your medical release.

In fact, they’re going to go through those medical records if you sign that release, and they’re going to look for any history of medical issues. For example, if you are a former athlete from back when you were younger and you broke your leg in a football game, they’re going to claim your broken leg from this accident was actually caused by your former injury. They’ll try to point out you have a pre-existing condition that left you more susceptible to injury, and they’ll claim it’s not their responsibility to pay for your injuries you’ve always had.

Never discuss the case with the insurance company on the other side of things, and never sign any paperwork without first discussing it with a personal injury attorney. You might not be overly familiar with the law regarding car accidents, but personal injury attorneys are. Their entire job is to sit down and discuss your case with you. It’s what they do, and it’s what they want to do. They’ll protect you from the issues you’re facing, and that’s what makes your case.

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