If you have recently been injured in a car accident and have been contacted by the other driver’s insurance company, you may wonder whether or not you should speak with the representative about the incident. It’s important to understand that giving any information that could be used against you can ultimately result in the denial of your claim or compromise your right to compensation. Please continue reading to learn how to handle interactions with insurance adjusters and why connecting with our dedicated Manatee County Car Accident Lawyers is in your best interest.
Who Are You Legally Required to Speak With After a Car Accident?
Following a collision, your legal obligations to communicate with others are dictated by state laws and the terms of your insurance policy. Generally, you are under no legal obligation to speak with the other driver’s insurance company. However, you likely have to talk to your own insurance company as they will need your account for what happened. In Florida, when you are involved in an incident that may trigger coverage under your car insurance policy, you are required to notify your insurer within a reasonable time frame of the accident.
Additionally, Florida state law requires you to remain at the accident scene and exchange information with others involved in the collision. While you may be required to speak to those involved in the accident, you should keep communication to a minimum, only providing necessary information. You are also legally required to cooperate with any law enforcement agents who responded to the accident.
Should I Speak With the Other Driver’s Insurance Company?
Legally, there is no requirement for you to speak to the other driver’s insurance company representative. It’s important to understand insurance adjusters are trained to use tactics to devalue or deny your claim. Therefore, you should stick to the facts and avoid saying anything that could be misconstrued as admitting fault for the accident. They will likely ask you to provide a recorded statement. Regardless of how polite they may seem, they don’t have your best interest at heart. They may even offer you a settlement. However, you should never accept an initial settlement offer as it’s typically a lowball amount that doesn’t accurately reflect the actual value of your claim.
After a car accident, it’s important to consult a seasoned lawyer as soon as possible as they can provide the best advice regarding your claim and help safeguard your rights. At Becker & Lindaeur, LLC, we are prepared to help you fight for the justice you deserve. Connect with our firm today to learn more about how we can assist you when navigating encounters with insurance adjusters.
