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How to Handle the At-fault Person’s Insurance Company After a Car Accident

December 29, 2022

When dealing with the at-fault person’s insurance company after a car accident, it’s important to stay calm and cautious. Although you may want to act quickly, remember that their insurance company is likely trying to pay out as little as possible or even assign blame to you. So, it’s essential to know your rights and the legal processes available to you.

Here’s how to handle the at-fault person’s insurance company after a car accident.

Your First Steps After a Car Accident

After an accident, the first step is to contact your insurance company. Provide them with any documents regarding the incident, including the police report and any pictures you have of the scene. You’re contractually obligated to report any accident to your insurance company, even if you’re not at fault.

And although it’s mandatory to contact your insurance provider, this is not the case for the other person’s provider. Legally, you have no obligation to speak with the other person’s insurance company, and you do not have to give them any information regarding car accident claims.

In some instances, however, you may consider doing so. For example, if the accident is minor and the at-fault person received a citation, it might be in your best interest to cooperate.

Speaking with the At-Fault Person’s Insurance Company

If you choose to speak with the at-fault driver’s insurance company, do not be pressured into giving more information than is necessary. If they ask for details you are uncomfortable providing, explain that you prefer to wait until you’ve consulted a personal injury lawyer specializing in car accident claims.

Unfortunately, insurance adjusters are trained to work in their company’s best interests, so they may try to pressure you into a settlement. Don’t be rushed, and don’t sign any documents without first consulting a personal injury lawyer. Most insurance companies will try to get you to settle for less than you deserve.

When addressing the at-fault driver’s insurance company claim, remember that they can use everything you say against you. So, never admit fault and only provide the necessary facts about the accident.

Providing a Statement

If the at-fault driver’s insurance company requests a recorded statement, you don’t have to provide one. They may use your statement as leverage to blame you for the accident and minimize the compensation you receive.

A written statement provided by your attorney is a much safer option. This way, you can be sure all the provided information is accurate and that your rights are protected.

Seeking Legal Advice from a Personal Injury Attorney

Contact a personal injury attorney if you sustain serious injuries, miss multiple workdays, or incur expensive medical bills due to a car accident. An experienced personal injury lawyer in Pennsylvania can advise you on the best course of action for your situation.

They will also be able to negotiate with the at-fault driver’s insurance company on your behalf. This is the most effective way to handle the situation and get the best insurance claim settlement.

At Caputo & Mariotti, our auto accident lawyers understand the complexity of car accident cases. If you’ve been injured in a vehicle accident or are dealing with an at-fault person’s insurance company claim, contact us today for a free consultation.

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