Should I Give Any Insurance Company A Statement?
This is an article by Joel Farar, a top rated Los Angeles Car Accident Lawyer.
A common question after any type of car accident is whether or not you should give a statement to any of the involved insurance companies. This is a great question because, after all, you have nothing to hide. This is particularly true if you were not at fault in the accident. The actual answer to this question, however, is a bit nebulous. While it is true that you have nothing to hide, insurance company adjusters are masters at using the words of accident victims against them. In the end, it is best to not give a statement to any insurance company until you have spoken with an attorney. Let us go over some of the reasons why below.
Words Mean Something
When it comes to matters of the law, words do mean something. This is why you will want to think very carefully before agreeing to talk to any insurance company, and this includes your own. Even the most well intentioned statements could end up being used to your disadvantages. You see, insurance adjusters are out to protect their firm. While one does not want to go so far as to say that they do not care who was actually at fault, the reality is that they are out to minimize their financial damages to the greatest extent possible. If that means that they need to get the other driver to stay certain things via a statement, then that is what they will attempt to do.
After an accident, there will be many things going through your mind. It is not at all uncommon to even be a bit fuzzy about what happened. You need time to process the accident and what it means to you. This is not the time to have to worry about getting your words straight in order to appease the insurance company. It is time for you to focus on getting any injuries taken care of, working to ensure that your family is okay in the interim, and to move towards getting back to normal as quickly as possible. To do that as quickly as possible, it is best to avoid giving any statement to the insurance company. Leave that process to a professional attorney.
Don’t Feel Any Pressure
If you are feeling any pressure to give a state to the insurance company, it is best to remain silent. You are under absolutely no legal obligation to do so. Rest easy and get your own affairs in order, dealing with the insurance company only when you are good and ready. The questions that an insurance company will ask are the same ones that they can find out from the police report or upon speaking with the attorney that represents you. It is best to have just one person dealing with the insurance company in order to maintain consistency.
A Lawyer is Your Best Move
There are simply too many different moving pieces to a car accident. There is the determination of negligence, police reports to examine, medical expenses to take into account, a vehicle that needs to be repaired, and this is just the beginning. It is a great deal for someone without legal experience to handle, so it is recommended that you retain legal counsel no matter how major or minor the accident itself might have been. Remember to begin by getting yourself examined by a medical professional. As soon after that as you are able, call a lawyer who can beginning fight to ensure that your legal rights are protected every step of the way.
A lawyer can talk with the insurance company on your behalf. When the adjuster calls, you can simply refer him or her to your lawyer. That is much easier on you, and it ensures that there is a single point of contact to keep the case moving alone. Your lawyer will also work hard to get you the financial settlement that you deserve, not simply accepting the first check that is offered to you by the insurance company.
If you find yourself the victim of a car accident, please contact our office today for a free consultation. We will work hard on your behalf and represent you every step of the way.