After a car accident, your main focus should be on healing, fixing your car, and completing the necessary paperwork. You’re eager to proceed. But one day, an insurance company representative calls you; this is not your insurance company. They are an agent of the firm offering insurance to the other accident victims. How should you proceed? If the liability provider of another driver calls you, contact a Las Vegas car accident lawyer.
What should you do if the liability insurance provider of another driver contacts you?
The real question is, must you speak to the insurance company? The law does not require you to speak with the at-fault driver’s insurance company.
The insurance company will nevertheless try to speak with you despite knowing this. For this reason, it is essential to prepare a reply in case they contact you.
When the insurance company calls and you do not have an attorney, keep the following in mind:
- Say nothing that may be regarded as blaming you for the accident.
- Do not discuss the details of your conditions.
- Refuse to sign any documents that grant unrestricted access to your medical records.
- Do not provide potential witnesses with your contact details.
The insurance company can deny your claim if you say something that may be seen as admitting blame for the accident. Your acceptance is on the document; thus, it will be difficult for you to win the case even if you appeal the refusal or go to court.
It is important that you limit those who you talk to about your injuries to your attorney and the doctor or medical professionals who are treating you. Even telling the insurance company, “I feel okay,” may be interpreted to mean, “I am not injured.”
What happens if the insurance company requests to record the conversation?
The insurance adjuster may ask to record your talk. Regarding this, there are two things to remember:
- In general, recording every phone call is normal practice for businesses.
- Restrict what you say and just provide short responses to questions.
How Should You Respond If Your Insurance Company Calls?
Your insurance could get in contact with you for multiple reasons, even though Las Vegas is an at-fault state.
You may have initially submitted a first-party claim if the other driver’s insurance information was unclear.
It can also be that the insurance company received a claim from the other driver in the accident. This often happens in collision cases where it is unclear who is at fault or when the at-fault motorist declines to take the blame.