If you’re involved in an accident, it’s important to know what your options are and how best to handle the situation. One of the biggest decisions you’ll need to make is whether or not you will speak with the other driver’s insurance company after your accident. This decision may seem simple at first, but there are often many factors that go into play when deciding whether or not a conversation with another party is necessary after an accident occurs.
If you have a police report, you may need to present that report at the scene of your accident if asked by law enforcement officers, including the other driver’s insurance company. If this happens, it’s important that you do not discuss anything about your own insurance policy or coverage with anyone involved in the accident who didn’t already know about it (such as potential witnesses).
What should you do while speaking to other drivers’ insurance companies?
The first thing that comes up when personal injury lawyer in Oakville talks about contacting the other driver’s insurance company after an accident is “what do I say?” This is a valid question because it can be difficult knowing how much information should be shared during this initial conversation. However, there are some general guidelines that can help establish trust between both parties:
● Be respectful
● Be honest
● Don’t blame anyone else for the accident (including yourself)
● Explain what happened as clearly as possible so there aren’t any misunderstandings later down the road
● Thank all involved parties for their assistance
Tips When Talking with the Other Driver’s Car Insurance Company
When you talk with a claims adjuster, it’s best not to discuss anything that might be perceived as a “victim” statement. For example, don’t say: “I’m so sorry this happened to you.” It’s also not wise to apologize or make statements about how bad your injuries might be if there is any question about who caused the accident in the first place.
When talking with an insurance company representative, simply answer their questions honestly and refer them back to your own insurance company as necessary. If they ask about any details of what happened during an accident–including who was driving at fault–replies should focus on facts rather than feelings or opinions about who should pay for repairs or medical bills (unless these are relevant).
Getting Help After a Car Accident
After a car accident, you should speak with your insurance company and the police. You may be able to get help from:
● The other driver’s insurance company (if they have one).
● A lawyer or attorney who specializes in personal injury law.
● A medical professional.
If you’ve been in a car accident, it’s likely that you’ll need to speak with both parties’ insurance companies. But what if one of the drivers doesn’t have insurance? Are you required to contact their carrier? And what do you say when talking with them? Your lawyer can help you through this entire process and guide you in the right direction. So it is important to have an experienced lawyer on your side to fight for your rights.