We all know that you should exchange insurance information with another driver after a car accident. You should know that this does not mean that you have to communicate with that insurer though. In fact, if you were injured and you plan to sue for damages, it’s rarely a good idea to talk to another driver’s insurance company on your own. This is something that a Monmouth County car accident lawyer can help you with.
Am I Required to Talk to the Other Driver’s Insurance Company?
You don’t actually have to talk to the other insurance company. You do not have to give them a statement. They cannot compel you to give them a written statement. If you do not want to speak to them, you do not have to.
This is generally the smart move if you plan to sue for compensation. The insurer is looking for any way to accept less blame for this accident. If you say something that can be construed as admitting any amount of fault, they will pounce on that.
Do I Have to Submit Records or Any Evidence to the Insurance Company?
You also do not have to give the other insurance company any evidence of your injuries or any of your other information, including medical records. If you pursue a claim or personal injury lawsuit, your lawyer can help you figure out the best way to provide that information.
Should I Accept a Settlement Offer From the Insurance Company?
Another potential pitfall of talking to the other insurance company is that they might offer you a settlement. It can be quite tempting to take this offer. Insurance companies and their employees have their ways of convincing you to accept the payout. If you don’t want to deal with the hassle of a lawsuit and the offer seems generous, we don’t blame you for wanting to take it.
You have to remember that this first offer may not be enough though. If your injuries are more severe than you thought and you run out of settlement money, you have to pay your remaining expenses out of your own pocket. There’s no way to go back to the other driver’s insurance company for more money once you have settled.
Can a Lawyer Help Me?
Instead of talking to the other insurance company, let your lawyer do the talking for you. They can handle communications on your behalf and field any settlement offers for you. If we think that a compensation offer is fair, we can advise you to take it. If we think that you are owed more in damages, we can continue to negotiate for a better settlement.
Ask About Our Free Case Consultations
So if you have been hurt in an accident, know that you don’t have to seek out compensation on your own. Contact Falcon Law Firm and ask to schedule a consultation with our team. We want to hear more about what happened to you and we want to help.
