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Should I Contact My Own Insurance Company?

Should I Contact My Own Insurance Company?

If you or a family member are injured in a car accident, you may be overwhelmed with phone calls and letters from your insurance company and the insurance companies for the at-fault driver or drivers. When there are multiple insurance companies involved, it can become confusing to know who is who. It is critical to know whether you are speaking with your own insurance company or the other driver’s insurance company. If you are in doubt, don’t say anything and contact us to help you sort it out. Oftentimes you will have the same insurance company as the at-fault driver, a situation that can confuse even the most careful person.

Your own insurance company has obligations to you. The at-fault driver’s insurance company, on the other hand, seldom has any obligation to you. In fact, the insurance company and its adjusters are often interested in trying to get you to say things that damage your claim or to persuade you to accept a low, quick settlement. Insurance companies are large, profit-driven companies – the less they pay you, the more money they make in the end. Don’t lose your claim before you’ve even begun it.

While it may be necessary to speak with your own insurance company to arrange for rental cars or tow trucks, we would much prefer that you come to us and let us help you. We can make sure that you are not speaking with the wrong person or disclosing information that you should be kept between you and your car accident lawyer. Always be honest and forthright but be careful. When in doubt, have us make the call for you and walk you through the process.

While it is usually safe to speak with your own insurance company about simple matters related to setting up a claim or finding out about your coverages, even your own insurer may try to use information that you provide against you when you later seek medical coverage or if the at-fault driver does not have insurance. If you need help sorting out the insurance claims, we always recommend contacting a car accident attorney who can help you through these steps without sacrificing your rights to compensation.

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