Should I speak with the insurance company after a motor vehicle accident?

(a) Should I speak with the other driver’s insurance company after an accident?

No, you should not personally speak with the other driver’s insurance company after an accident. Insurance companies usually record conversations with drivers involved in car, truck or motorcycle accidents. The insurance company can and will attempt to construe every word you say against you. Insurance companies hate having to pay for the medical expenses, pain and suffering, lost wages, or any other damages incurred by drivers involved in an accident caused by their insured. Therefore, they will do anything and everything they can to avoid making payment. This includes speaking with the injured driver(s), convincing them that they do not need an attorney, and recording all conversations with them.

(b) Should I speak with my insurance company after an accident?

While most injured victims believe that their own insurance company is on their side, things can drastically change when the at fault driver is uninsured or underinsured. In such cases, the injured victim may need to recover from his or her own insurance company through uninsured motorist coverage or underinsured motorist coverage. In these circumstances your own insurance company can very easily turn against you as their interests actually become adverse to yours.