Filing a Car Accident Claim with Insurance
When you have been involved in a car accident, at some point (most likely sooner rather than later), you will need to talk to your insurance company, and sometimes the other driver(s)’ insurance(s) as well. Insurance companies typically talk to everyone involved in the accident, and may even interview witnesses of the accident as well.
Insurance companies have very pointed interviews, crafted and driven to serve a specific purpose. Their main goal is to assess what happened, and to pay out as little money as possible. This is extremely important to keep in mind when it comes time to answer their interview questions. One wrong answer, or words that can be twisted the wrong way, and the insurance company may deny responsibility for paying out for a claim.
Insurance Company Questions
It is essential that you contact an experienced car accident attorney as soon as one occurs, so that you can be properly represent and prepared to answer questions from the insurance company, such as the ones below.
Is it okay to record the interview?
It is common for insurance companies to request to record the interview. Though recording the interview may not be bad in and of itself, saying something unintentional on a recording can be detrimental to your case. Be sure to consult with your attorney before agreeing to a recorded interview.
Can you tell me about the accident?
Open-ended questions are common in interviews with insurance companies. These kinds of questions allow room for you to tell the story of the accident from your own perspective, and also makes it easier to tell if there are any discrepancies between the multiple statements. Insurance companies may also request more details about when and where the accident occurred, as well as asking if you or someone you know was involved.
Do you know who caused the accident?
Insurance companies aim to find fault, especially any blame to be placed on anyone else, where they will not be responsible for paying out. Even if you were not at fault for the accident, it is important to refrain from speculating or providing an opinion. Stick to the facts, and let them speak for themselves.
Was a police report filed?
Insurance companies typically want to know if the police were contacted and if a report was filed. They may even wish to obtain a copy of the report to see what the police said about the incident.
Regardless of what questions the insurance company asks you, it is important to remain honest and objective. If you have been involved in an accident, contact Eric Blank Injury Attorneys to help guide you through this process and to handle your case.
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