Navigating Post-Collision Communication: What to Say and When

Dealing with a car accident can be stressful and often involves navigating complex communication with insurance companies and other parties. One common question arises after an accident: should you give a verbal statement to the other party's insurance company and, if so, what should you say?

In this article, we'll explore the key considerations and provide guidance on what you should or should not say in the immediate aftermath of a collision, especially when the other driver is at fault and their insurance company contacts you.

Initial Concerns

The other party's insurance company has asked you to provide a verbal statement about what happened. This may seem like a routine request, but it's important to be cautious. They are looking for ways to assign blame and may use your statement against you. Therefore, it's best to stay out of it and let your own insurance company handle the situation.

One person shared, 'their insurance company has asked me to make a verbal statement as to what happened. Is there anything I should or should not say?' There are specific reasons why you should be cautious:

The insurance company may try to assign blame to you even if you were not at fault. Unintentional or incomplete statements can be used against you in court.

Professional Advice: Consult Your Insurance Agent

If you have concerns about the situation, it's best to consult your insurance agent. They can provide you with guidance and ensure that your rights are protected. An agent can explain the process and answer any questions you may have, ensuring you know what to expect.

Another user mentioned, 'if you simply mean you filed a claim with your insurance company then you check with your agent or adjust before speaking to anyone.' This is excellent advice. Your insurance agent will have the expertise and knowledge to guide you through the process and protect your interests.

A Real-Life Incident

I was once involved in a car accident on the morning of Christmas Eve. The other driver was at fault, and my insurance company suggested that my car was likely a total loss. As a result, they did not provide a courtesy car, leaving me stranded at a time when I needed to get to work. Fortunately, the other party's insurance company eventually acknowledged their fault and offered to provide a courtesy car, which was delivered the next day.

Professional Representation: The Role of Your Attorney

If you are represented by a lawyer, it is crucial to follow their advice. Your attorney will be the best person to handle any communications with the other party's insurance company. They will ensure that your statements are accurate and protect your interests. Saying, 'If you are represented by a lawyer you should not provide a statement of facts to the adverse carrier unless instructed to do so by your attorney' is correct.

Additionally, the other party's insurance company may contact you at any time, and it's important to be prepared. If this happens, you should give them your insurance agent's contact information, as suggested by Edan. This allows your agent to handle the communication on your behalf.

Conclusion

Dealing with a car accident and dealing with the fallout can be stressful. However, by following these guidelines and consulting your insurance agent and attorney when necessary, you can ensure that your rights and best interests are protected. Remember, the other party's insurance company is looking for ways to shift blame, so it's crucial to stay vigilant and informed.