Dealing With The Other Person’s Insurance Company

Posted on: Jan 25th, 2014 by Bill Gregory

Dealing with insurance after an accident

Most people are unsure what to do when the other person’s insurance company approaches them. Claims representatives and insurance adjusters from the other person’s insurance company will call, send letters, want you to sign authorizations, ask for a recorded statement, or even come to your house. Speaking with the other person’s insurance company is not in your best interest and will only cause you more problems.

The attorneys at RG Injury Law recommend the following answers to common requests from the other person’s insurance company:

Should I give a recorded statement?

Many people do not like to say no to the other person’s insurance company. They feel like they have nothing to hide and that their case may be damaged if they do not give a recorded statement. DO NOT give a recorded statement. The insurance company will ask questions designed to get certain answers that will hurt your case. They will get you to limit your injuries when you probably do not even know the extent of the injury. The insurance company will sometimes twist your words to their advantage. These people are professionals at handling claims and this is probably your first time dealing with the aftermath of a car crash. The attorneys at RG Injury Law will handle all communication with the other person’s insurance company. We will give them all the information necessary to recover the full extent of your injuries and damages.

Should I talk to the insurance company when they call?

Many people feel it is OK to talk to the other person’s insurance company, because the truth is on their side. However, the insurance company is looking for any way to twist the truth to make the crash partly or completely your fault or to limit your injuries or damages. DO NOT talk to the other person’s insurance company. There will come a time to talk to the other person’s insurance company. The attorney’s at RG Injury Law should be talking on your behalf to the other person’s insurance company to make sure you recover the full extent of your injuries and damages.

Should I sign an authorization for the insurance company to get my medical records?

While it is OK and required to sign an authorization for your own car insurance company to collect your medical records so that they will pay your first party medical benefits, you should not sign any authorizations for the other person’s insurance company to get your medical records. The attorneys at RG Injury Law will collect and analyze your medical records to determine what is appropriate to send to the other insurance company.