You should never talk to the other driver’s insurance company without the help of an experienced car accident lawyer. Even though their insurance company may contact you countless times, do not answer until you have legal representation.
If you’ve been in a car accident and the other driver’s insurance company is trying to contact you, our Los Angeles car accident lawyers at Simmrin Law Group know what we need to do to protect your rights. Read on to learn about the risks of talking to the other driver’s provider and how our team can help protect your rights.
Risks of Talking to the Other Driver’s Insurance Company After an Accident
After a collision, the other party’s insurance provider may reach out to get your statement about what occurred. While cooperating with insurance companies is expected, it’s important to understand there can be risks involved with speaking to the other side alone without legal representation. Here are some of the potential risks to consider:
- Admissions of fault: In an effort to be fully cooperative, you could unintentionally admit some level of liability that goes against your claim later on. Insurance adjusters are skilled at getting people to reveal these kinds of facts.
- Inconsistent details: Minor discrepancies in the facts you provide compared to other evidence or witness statements could be used to argue you’re an unreliable source and shift some liability to you.
- Lack of representation: Without a Los Angeles car accident attorney to advise you, you may not know what details to omit that are better left unsaid. The other insurance company has no obligation to have your best interests in mind during questioning.
- One-sided version of events: Your statement alone, without testimony from your insurer, medical team, or accident reconstruction experts, leaves the other company’s narrative less balanced than what your side could present collectively.
- Your insurer isn’t alerted: If the fault is disputed between insurers later on, your insurance may not know your side of the story as quickly if you only spoke to the opposing company first without filing your claim simultaneously.
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How Will the Other Driver’s Insurance Company Approach You After an Accident?
While the initial contact from the claims adjuster will seem friendly, their main goal is to limit payouts for their client. Be aware they have tactics to potentially diminish liability or trick you into statements against your interests.
The adjuster’s questioning during the recorded statement may try steering the narrative to downplay fault. They will probe for any potential contributing actions on your part, no matter how minor, looking to assign partial blame. They also seek to pressure early settlement by implying your claims aren’t worth as much as you believe, or they might quickly offer to send you a check.
Medical documentation will be scrutinized for discrepancies to discredit injuries reported. Their independent examiner aims to provide opinions supporting minimal treatment required. If you didn’t receive medical care right away, adjusters use this to argue any lingering issues are pre-existing or unrelated.
How Can a Car Accident Attorney Help You Approach the Other Driver’s Insurance Company?
If the insurance companies for both parties involved in a car accident need to exchange information, our Los Angeles car accident attorneys can play an important role in navigating communications with the other side. Some ways our Los Angeles car accident lawyer may assist include:
- Preparing a detailed statement of what occurred from your perspective while avoiding potential admissions of fault.
- Reviewing the statement for accuracy and consistency before it’s provided to the other insurer.
- Attending any interviews, recorded statements, or meetings with the opposing insurance company’s representatives on your behalf.
- Objecting to inappropriate or misleading questions that could harm your claim.
- Ensuring your version of events and all relevant facts are fully represented upfront.
- Addressing any inconsistencies or missing details in subsequent discussions with legal knowledge and experience.
- Handling documents or evidence requests appropriately while protecting privileged information.
- Acting as an impartial intermediary if disputes over liability or coverage arise between insurers.
Advising you on how to approach further contacts to resolve matters efficiently from a position of legal protection.
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What Evidence Can You Gather From Interactions With the Other Driver’s Insurance Company?
Once you’ve hired a Los Angeles car accident lawyer from Simmrin Law Group, we can communicate on your behalf with the insurance company. In our interactions, we can collect evidence such as:
- Recorded phone calls and claim adjuster notes that contain admissions of liability or responsibility.
- Emails discussing fault, negligence, or policy limits that you can refer back to.
- Records of denied or delayed claim payments and reasons given.
- Medical records, bills, and expenses submitted as part of your claim.
- Dates of important deadlines were discussed, and if they were met.
- Notes from independent medical examinations that are part of your file.
Keeping records of all communication and evidence with the insurance company establishes an official account of the process. This documentation forms the basis of any potential legal case down the road if disputes arise on liability or settlement.
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Learn More About How to Talk to the Other Driver’s Insurance Company
Talking to the other driver’s insurance company after a car accident puts your rights and compensation at risk. Our Los Angeles car accident attorneys at Simmrin Law Group can help you deal with the other party’s insurance company.
Contact us to learn more about how we can help you deal with the aftermath of your car accident.