Traffic accidents are a routine part of life as they occur on an almost daily basis. Whether it be a simple “fender-bender,” or a high speed crash, it is never a fun experience. What’s even worse is, after the incident, attempting to get a hold of the insurance companies to get you your due justice can be a long, drawn-out situation. In general, it is important to understand that things you tell the other person’s insurance company may end being used against you in legal proceedings. As such, here are some simple tips and guidance to getting a communication link going with the other party’s insurance company.
Do not make contact right away. One of the most damning things that one can do is to attempt to contact the insurance company directly after the incident. Sadly, this reason is based on self-preservation of members that tend to be involved. To understand this point, you must understand what each company is after. Each insurance company is after only one thing: minimizing their own payouts. This means that they will look for any way to reduce the amount that they must pay out to the parties involved. This includes using any underhanded tactic, such as extracting sensitive information from your end by attempting to coerce you into revealing any information that they may use against you in court. Because of this, do not attempt to contact the other insurance company on your own.
Document everything. Although this is an overstated fact, documentation is everything. This holds much more meaning, though, when having to communicate with insurance companies. This is because, when information is being passed between groups, having your own set to rely on may prove important, in case another party attempts to pass off false or incorrect information for their own gain. Thus, documenting everything that goes on, from what happened during and after the incident, to who you have specifically talked to since the incident, is necessary for a complete and accurate timeline.
Let your own insurance company contact the opposing insurance company. As discussed previously, talking directly to the other party’s insurance company can lead to extremely problematic events and roadblocks. Because of this, it is much better for you to let the insurance companies talk to one another, so that only the bare basics of information is passed. You can also communicate through lawyers and attorneys, if things have reached that specific state. Otherwise, do not attempt to contact them directly, in case they attempt to extract information from you.
Although these are seen as very standard and run-of-the-mill notes to remember, they can keep you from having multiple headaches in the future. Especially in the heat of the moment, when the hectic pace seems to catch you at a bad time, remembering these tips may be the difference between gaining decent compensation and gaining absolutely nothing. So, remember, do not make contact right away, document all exchanges between personnel (as well as all points of the incidents), and try to let insurance companies contact each other instead of you. Follow these points, and your case will go by much more smoothly.