Talking to an Insurance Company After an Accident
You will usually need to communicate with your own insurance company after an accident, particularly to report the incident and access benefits available under your policy. Give accurate information and comply with reasonable policy requirements, but avoid guessing when you do not know an answer.
Communication with another party’s insurer requires more caution. The adjuster may ask for a detailed or recorded statement about how the accident happened, your injuries and previous medical history. Statements can later be compared with police reports, medical records and other evidence when liability or damages are assessed.
Your Own Insurer and Other Insurers
You do not need to exaggerate or minimise anything. Stick to facts you know. If your medical condition is still developing, it is reasonable to say that treatment is ongoing rather than trying to predict your recovery.
Be careful with broad medical authorisations. Understand what records an insurer is requesting and why. Also avoid signing a settlement release until you know what the settlement resolves and whether future treatment or other losses remain.
Recorded Statements After an Accident
Your obligations can vary depending on whether you are dealing with your own insurer or an adverse insurer and on the terms of the applicable policies.
If you suffered a substantial injury, fault is disputed or you are uncomfortable with a request for a recorded statement, consider getting legal advice before proceeding. A Pennsylvania car accident lawyer can handle communications with the opposing insurer and explain what information is reasonably required while helping protect the integrity of your claim.