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Talking to the Other Driver's Insurance Carrier after An Auto Accident

The period after an auto accident can seem confusing and stressful. If you have been in a small fender bender, then there are some quick procedures you should follow that include:

  • Making sure no one is severely injured
  • Making sure that no one is dazed and walking out into oncoming traffic
  • Trying to get the vehicles to the side of the road
  • Taking pictures of the damage
  • Exchanging insurance information with the other driver
  • Determining with the other driver if a police report is necessary

If your accident is much more than a fender bender, there are other considerations. There will be rescue workers on the scene to attend to the injured and you may even see fire trucks to prevent gasoline from igniting. The police will show up to take statements from the drivers as well as witnesses, and the police may have to block off the road until the vehicles and injured parties can be moved to safety.

If you are able, then you should actively participate in the creation of the police report and you should also take as many pictures as you can of the scene. Make sure that the police report includes names and statements from witnesses and that all of the information for each driver is complete and correct. When the police report is completed, then you should ask how you can go about getting a copy of it.

But when the accident is over and your car is in the shop, you may start to wonder if you should contact the other party's insurance company. In the case of smaller fender benders, it is your responsibility to report the accident to your insurance company and get as much coverage from them or the other driver’s insurance company as you can. But if you are involved in a larger accident, then you should never contact or speak to the other driver’s insurance company directly.

Most motorists do not understand the proper way to talk to an insurance adjuster about how an accident happened. You will find that the adjuster for the other party's insurance company will try to twist your words into something that can put more of the blame on you. The other person's insurance company is not looking out for your best interests. It is looking out for its own best interests and the interests of its client. The more you say to the other insurance company, the more you are damaging your chances of getting fair compensation for the accident.

The best approach is to hire an experienced auto accident lawyer to contact the other driver’s insurance company for you. A lawyer will know how to present information to an opposing adjuster and he or she will also know how to make sure that no incriminating information is given to the other insurance company that could damage your chances at getting the financial settlement that you deserve.

For assistance with a personal injury or insurance claim, please email David at dhimelfarb@himprolaw.com. To be contacted immediately call 1-855-446-7765 for a free case evaluation.

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