When you are involved in a car accident, you may be confused for a moment, which can lead to costly mistakes. Thus, you should take a pause and make the right moves. Further, confirm if it’s safe to talk to the other driver to exchange contact and insurance information while waiting for the police. Don’t apologize or use angry words.
After a while, their insurance company may contact you. Should you talk to them? Here is why you should not.
They may seek to pin the blame for the wreck on you
Insurance companies are businesses that try to avoid payouts at all costs. And when their policyholder hits you, they may want to put a part of the blame, if not all, on you. Thus, when you speak with them, they can analyze every word you say and pick one that can be used to dismiss your claim.
In addition, they may ask to record the conversation. If you misspeak or mix up events in the future, the recording may be used against you. It will be best not to speak with them at all. But in situations that call for it, do not allow them to record.
What about your insurance company?
You are required to contact them even though you were not at fault. You may get into trouble if you don’t comply with notification requirements. Your insurer will then contact the other driver’s company to follow up on the claim.
While your insurance company can turn out to be your advocate (since they also have an invested interest in holding the negligent party accountable), you may want to still be cautious about what you say until you have more information.
Talking to any insurance company without being informed may disadvantage you. You should get legal guidance after a car accident to receive the compensation you deserve.