Getting injured in a car accident can be a traumatic and overwhelming experience. Your mind may be flooded with questions and concerns about how you will be able to effectively pay your medical expenses, in addition to your living costs while you try to recover from the accident. The stress and anxiety in the aftermath of a serious car wreck is a big reason why many insurance adjusters will try to contact you shortly after the crash and offer a quick, lowball settlement.
Do not make this mistake.
No Legal Obligation to Speak to the Other Motorist’s Insurance Company
It is extremely important to understand the fact that, when you receive a call from the other driver’s insurance company, you are under no legal obligation to speak with a claims adjuster. You should be prepared for the adjuster to be very friendly and supposedly concerned about your health and well-being. Do not fall for this tactic. Insurance adjusters are trained to do all they can to reduce or deny injury claims. The insurance adjuster is not your friend. They will typically attempt to get a recorded statement from you, along with asking you to sign a broad medical release form that enables them to review all of your medical records, even records from decades ago.
Most people have not provided recorded statements and may feel a bit intimidated by the process. This is perfectly understandable. You were just injured in a serious automobile collision and need time to properly assess the full impact of the accident. One of the big motivating factors for insurance companies to get a recorded statement sooner rather than later is because they want to try and get you on the record saying you feel “fine” or that you are “doing alright” after the accident. If you pursue an injury claim, they will try to use these statements against you in court.
In addition to asking you to sign a broad medical release and give a recorded statement, they may even be bold enough to tell you that you do not need to speak to an attorney or that it would be a mistake to retain legal counsel. Why do they do this? Because insurance adjusters know they can generally pay an unrepresented claimant less money in a settlement when compared to a claimant who has the services of experienced and seasoned legal counsel.
These common tricks and tactics are why, if possible, you should speak with an experienced car accident injury lawyer in Worcester, MA before providing any information to the other driver’s insurance company. Once you have an attorney on your side, you can simply refer the insurance adjuster to your legal team.
Should I Contact My Own Auto Insurance Company About the Accident?
Yes. It is prudent to contact your own auto insurance company to report the accident and the general factual information such as the time of the collision, the date it occurred, and the parties involved.
Now is the Time for Action – Schedule a Free Case Review with a Top-Notch Worcester Personal Injury Lawyer
If you or a family member was seriously harmed in an auto accident that occurred in or around Worcester, MA, now is the time to take action to ensure your legal rights are protected. Contact the Eden Rafferty law firm today to schedule a free, confidential case review. If you hire our law firm, you can be rest assured that your priorities will be put at the forefront and we will work tirelessly to pursue the money you are owed for your harms and losses.