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How Should I Handle Working with Car Insurance Companies After an Accident?

Posted on : June 8, 2020

Dealing With Car Insurance Carriers

Motor vehicle insurance is required by every driver in the state of Georgia. However, that doesn’t mean working with insurance companies after a collision is easy. Here’s what you should know about talking to your insurance provider — or that of the other driver’s — after an accident.  

Talking with Your Insurance Provider 

You’ll need to report the accident to your own insurance carrier, regardless of who you believe may be at fault. Remember that insurance companies usually work for themselves, so even though they’re your carrier, their ultimate goal is to avoid payout of any kind. Depending on your benefits, this may or may not include painting you as the at-fault driver. 

Talking with the Other Driver’s Insurance Provider 

You are not required by law to speak to the other driver’s insurance company. However, they may put pressure on you and make you feel like you have no other option but to issue a statement directly to them. Politely decline any interview with yourself and the other driver’s insurance agency unless working with your attorney. 

Tips for Communicating with Insurance Agents 

When communicating with any insurance company, keep these things in mind: 

  • Be judicious about what you say and how it’s said. If the insurance company can use something you’ve said to avoid paying on a claim, they will. 
  • Stick to the facts. Answer only questions that you are asked and do not volunteer additional information. 
  • It’s okay to say you don’t remember. Don’t try to guess what happened during the accident. If you don’t know or don’t have a clear memory of something, say so. 
  • Stay calm and refer the insurance company to your lawyer. An insurance agent may try to get you flustered so you end up saying something that hurts your claim. Stay calm and if you believe the insurance company is acting in bad faith in any way, ask them to communicate directly with your attorney. 

Were You Involved in a Car Accident? Why a Georgia Personal Injury Lawyer Is Your Top Ally 

If you or someone you love were hurt in a car accident, don’t wait to get the help of an experienced personal injury lawyer. They’re on your side and can assist you with navigating through the red tape after a collision. Contact Chalker Injury Law today at (800) 393-8595 for your consultation or to learn more about your legal rights after a car crash.  

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