After you are involved in a car crash, one of the obligations you have is to speak with your own insurance company. You do this to let the company know that you have been involved in a collision and that you may need coverage.
Informing your insurance provider is an appropriate step to take. During that conversation, you shouldn’t discuss fault to negotiate. Instead, you’re just giving them the basic information that the crash has occurred.
After this, you may get a call from the other party’s insurance company. It is in your best interests not to speak with that insurance company. You have no obligation to speak with the insurance agent for the other party without knowing your legal rights. You may prefer to have your attorney speak with them in your place so that you know that nothing is said that could negatively impact your case.
The other party’s insurance agent isn’t there to help
Remember that the person calling you from the other driver’s insurance company is not there to help you. Their goal is usually to save their company money and to put an end to the claim as soon as possible. They will be trying to suss out if the claim is legitimate or not, too.
This is why it’s more important for you to seek medical care as soon as you can after a crash. If you fail to do that, then the other party’s insurance may immediately believe that your claim is unrealistic or that there is nothing wrong with you. You don’t want to have that issue over your head, so it’s better to seek medical attention and start a paper trail. Then, if they ask if you have received medical care, you can simply state that you have and give them your attorney’s information.
Insurance agents are not there to be your friend. It’s smart to have someone on your side to help with your case. If an agent calls you, remember not to speak with them without understanding what you should or should not say to protect your personal injury case.