Being involved in a car accident can be a traumatic experience, leaving you with physical injuries, emotional stress, and a multitude of questions about what comes next. In Florida, where car accidents are unfortunately common, understanding how to communicate with your insurance company is crucial to protecting your rights and ensuring you receive the compensation you deserve. This article outlines what should you say to your insurance company after a car accident.
Generally, we strongly recommend you do not speak with the negligent party’s insurance company. Additionally, and when possible, we recommend your personal injury lawyer handle all communications with your own insurance company. However, if you do decide to speak with your insurance company after a car accident, consider the following!
Stay Calm and Focused
After an accident, emotions can run high. However, when speaking with an insurance company, it’s essential to remain calm and focused. Insurance adjusters are trained to look for inconsistencies or statements they can use to minimize your claim. Staying composed and sticking to the facts can help prevent misunderstandings that could hurt your case later.
For instance, when describing the accident, provide only factual details about what happened, such as the time, location, and the vehicles involved. Avoid speculating about fault or what might have caused the accident.
Report The Basics
When speaking to your insurance company, you generally need to provide basic information about the accident. This includes:
- The date, time, and location of the accident.
- The names and contact information of the other parties involved.
- A brief description of the vehicles and any noticeable damages.
Simply report the essential facts and indicate that you will provide additional details after consulting with an attorney or medical professional.
Avoid Reaching Conclusions on Liability
In Florida, determining fault in a car accident can be complex due to the state’s comparative negligence laws. Even if you believe you may have contributed to the accident, it is possible that the accident was not your fault. So don’t reach conclusions on liability.
Instead, stick to factual information and let the investigation determine fault. A thorough review by your attorney can provide a clearer picture of what happened.
Be Careful with Statements About Injuries
When discussing injuries with an insurance adjuster, be cautious. Some injuries, such as whiplash or concussions, may not be immediately apparent after an accident. If you downplay your injuries or claim you’re fine, it could weaken your case later if additional symptoms arise.
As we have discussed before, seek medical treatment after your accident as you may be injured without readily knowing it.
Document Everything
When dealing with insurance companies, documentation is your best ally. Keep a record of all communications with the insurance adjuster, including emails, letters, and phone calls. Write down the dates, times, and key details of your conversations.
Additionally, gather and preserve evidence related to the accident, such as:
- Photos of the accident scene, vehicle damage, and injuries.
- Police reports and witness statements.
- Medical records and bills.
- Receipts for any expenses related to the accident, such as towing fees or rental car costs.
Having thorough documentation strengthens your case and makes it more difficult for the insurance company to dispute your claim.
Florida Car Accident Lawyer
If you’ve been injured in a car accident caused by someone else’s negligence, don’t face the insurance companies alone. Contact Barthelette Law for a free, confidential consultation to discuss your legal rights and options. We are dedicated to helping accident victims in Florida recover the compensation they deserve.
To schedule your consultation, contact Barthelette Law by calling (561) 246-4137 or contacting us online. Let us help you get the justice and financial recovery you need to move forward after a car accident.