Talking With an Insurance Agent After Your Accident

March 17, 2022
BY: Lesnevich, Marzano-Lesnevich, O'Cathain & O'Cathain

Personal Injury LawyerPersonal Injury Lawyer

It can be very difficult to understand how you should react when you are speaking with the other party’s insurance company after you have been in a personal injury accident. If you are beginning the claims process with the help of a lawyer, then your lawyer will likely want to be the one speaking with the insurance agent or negotiating on your behalf. However, many law firms understand that, although ideal, this is not always the case. You may have chosen not to use a lawyer for your claim or you may have realized that you want the help of a lawyer after you have already started the claims process. In any case, it is very common to speak with insurance agents directly before you get a lawyer involved. When this happens, it is important to understand what to say to the insurance agent and, especially, what not to say. 

What are the chances that I will not hear from an insurance company? 

The chances of this happening are slim to none. In fact, you will probably need to report the accident to your own insurance company and it is important that you check your insurance policy to make sure you are abiding by the rules you have agreed to. In addition, when an accident is serious enough to warrant getting insurance companies involved, you are very likely to hear from the other party’s insurance company very quickly. When this happens, a lawyer, like a personal injury lawyer from a law firm like Barry P. Goldberg might recommend the following:

  • Get the adjuster’s information. Just as they will want to get your information, it is wise to ask for the adjuster’s information as well. You can get their name, telephone number, the insurance company they work for, and who they are currently representing for the claim. 
  • Be polite. While you may not (and should not) give every detail of information to the insurance adjuster, being polite will go a long way for you. It is understandable that you might be angry after the accident or that you may be mad that the insurance adjuster is trying to contact you. However, if you lose your cool with the adjuster you might find they are much less willing to help you. 
  • Provide them with only the necessary information. This means you do not need to tell them every detail of how you believe the accident happened or what you were doing leading up to the accident. Provide them with your name, telephone number, and your address, and politely decline to answer other questions regarding your claim until your lawyer can speak with them. 

Remember, even if you have already started your claim process you can still get the help of a lawyer, If you need help after your personal injury accident, reach out to a local law firm for guidance now.