Common Questions Insurance Companies Ask After An Accident
There is no arguing that car accidents are incredibly stressful. Your car may be damaged, and it may be totaled. You are sore, and you may have severe injuries. Your passengers may be injured. Headache aside, you must now also focus on recovering financially. In order to do so, you must file an insurance claim with the at-fault driver’s insurance carrier.
Shortly after the accident, you will begin receiving phone calls from the negligent driver’s insurance adjuster. The adjuster will attempt to build a rapport with you in an attempt to gather information that may be harmful to your claim. Even the most straightforward questions may end up being harmful to your claim (e.g., “where were you going when the accident happened”) could be detrimental to your claim.
Contrary to popular belief, you are not required to speak with an adjuster before you hire an attorney. We actually recommend you speak with a lawyer prior to speaking with ANYONE to best safeguard your accident claim.
Contact the Injury Firm today if you’ve been injured in an accident and wish to obtain a profitable compensation for your losses. With legal guidance from one of the best Las Vegas car accident lawyers in Las Vegas, you can focus on recovering physically while we handle your financial recovery.
Schedule a free, no-risk consultation with an experienced attorney today by calling or texting (702) 800-0988.
What to Expect When an Insurance Company Contacts You
Once the insurance adjuster contacts you, they will likely want to conduct an interview investigation. The objection of this investigation is to collect facts of the case to piece together what caused the accident. Provided the State of Nevada’s modified comparative fault rule, they will try to place as much fault on you as possible.
As mentioned above, we do not recommend you speak with an insurance adjuster before hiring an attorney, if you do, you should only disclose information pertaining to property damage. If the accident caused an injury, you should not communicate any details of the injury until after you have completed medical treatment.
People are programmed to put their best face forward. I can’t tell you how many times I’ve had clients confess that they told the insurance adjuster that they were hurt but “felt fine.” It’s not to say we aren’t happy that you feel fine, but by saying this, you significantly diminish the amount of compensation you can recover. Insurance adjusters will use this information to justify lowball offers. So, if you take anything from this article, please repeat after me: “I will not convey any information pertaining to my injuries to the insurance adjuster. I will disclose property damage only and let my lawyer handle the rest.”
Common Questions You May Be Asked
The negligent driver’s insurance company will likely have a long list of questions they’ll want to ask you. Here are a few questions that are safe to answer:
- What was the date and approximate time of the accident?
- What is the year, make, and model of the vehicle you were driving?
- How many vehicles were involved?
- What kind of property damage was there?
- Is your vehicle in need of repair?
- If so, what repair shop is it at?
- Was there a police report?
Common Questions You Shouldn’t Answer
- Which direction were you headed?
- How do you believe the accident occurred?
- Were you wearing your seatbelt?
- How was the weather at the time of the crash?
- Was there traffic at the time of the crash?
- Can you provide any witness information?
- Were you injured?
- Were you transported to the hospital, or did you seek medical treatment?
Be prepared, however, the insurance company will press for this information. If you do not provide them with an answer, they may even try to make you feel bad. You must simply tell them, “I’m not prepared to discuss this information with you. I will have my attorney contact you.”
Contact The Injury Firm Today
If you’ve been hurt in a crash that was not your fault, it is in your best interest to reach out to the Injury Firm. Our lawyers have helped car accident victims recover the compensation that they deserve for over a decade. We will review your case and deal with the insurance companies so you can focus on recovering.
Call us at (702) 800-0988 or contact us online for a free, no-obligation consultation.