When Should You Talk To An Insurance Adjuster After A Car Accident?
In the state of Texas, if you have been involved in a car accident, you should report the accident to your insurance company right away, especially if you weren’t at fault. This can help support your case when you attempt to collect damages from the other party. You also may receive a phone call from the other party’s insurance company. This you must handle with caution.
Speaking To The Other Party’s Insurance Adjuster
After being involved in a car accident in Dallas, your phone may already be ringing shortly after, with the other party’s insurance adjuster on the other side. The other party’s adjuster may get to you before you even have a chance to contact your own insurance company. This is especially true if you are recovering from your injuries in the hospital, and you have enlisted someone else to file the accident report for you.
First thing’s first: you are not required to speak to the other party’s insurance company. Just because they call you, this does not mean you are required to answer their questions. They are in the business of assigning fault and do not, under any circumstances, want to honor a pay-out. They therefore hope that, by talking to you, you will give them details about your case that will support the other party’s refusal to pay – even if the other party is 100 percent at fault.
If you do choose to speak to the other party’s adjuster, then you must select your words carefully or risk losing the chance to collect any damages. For this, you may want to consider hiring a Dallas car accident lawyer, someone who is experienced in handling claims just like yours and is well versed in dealing with dishonest insurance adjusters.
Speaking To Your Own Insurance Adjuster
Keep in mind that even though you must speak with your own insurance company to follow up after an accident, there are still certain rules that must be followed so as to ensure you do not say or do anything that could hurt your case.
Get Your Adjuster’s Information
First, before you even discuss anything with your adjuster, make sure to write down his or her name, address, and phone number, along with the company he or she is with and who that company represents. You may be talking to an adjuster for the other party when you think you’re talking to your own!
Be Polite to the Adjuster
Further, even though you may still be angry and upset about your accident, you must remain polite to your adjuster. You never know when your adjuster may come through for you in a way you didn’t expect, like processing your claim quicker or believing you as to the details of the accident.
Use Extreme Caution When Answering Questions
When the adjuster asks you for your personal information, limit the amount of information you provide. The only things you should volunteer are:
- Your full name
- Your address
- Your phone number
- Your place of employment and position within the company
That’s it. You don’t need to get into the details of how much money you make, or the responsibilities that your job entails. The next thing you know, you’re telling the adjuster you lift heavy boxes for a living, and they blame the back injury that you clearly got from the accident on your occupation. Case closed. Damages lost.
You don’t even have to discuss the details of the accident. The only details you are safe in providing to the adjuster are:
- Where and when the accident happened
- The type of accident that occurred
- The vehicle(s) involved in the accident
- The names of any potential witnesses
If the adjuster continues to prompt you, you can simply state that the accident is still under investigation, and that more details will be provided at a more appropriate time.
If the adjuster intimidates you, or if you feel you may not be able to handle this process without divulging too much, then you may want to consider hiring a Dallas car accident lawyer. Such a lawyer will look out for your best interests and ensure that you do not say or do anything that will hurt your case.
Dealing with Insurance Companies In The State Of Texas
If you have just been in an accident, the last thing you want to have to deal with are the paperwork and phone interviews that follow. However, it is crucial that you handle these things expertly because, if you don’t, they can come back to bite you in the future.
You may want to consider hiring a Dallas car accident lawyer to help you handle your case. By hiring a lawyer, you can feel comfort in knowing that your case is being taken care of while you focus on recovery and getting your life back in order. If you’re interested in speaking with one of the lawyers on our team, fill out our contact form, or give us a call at 214-305-8277 to get started.