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

Every driver should know what to do in the aftermath of a car accident. Even the safest and most skilled of motorists could still end up in a serious collision. The Nevada Department of Transportation reports that 34,174 people were hurt in accidents in 2017 alone. Another 30,000 Nevadans were involved in property damage only crashes.

At Ladah Law Firm, we are strong advocates for the rights of injured victims. We want to make sure that you have all of the information and resources you need to effectively deal with the insurance company. In this guide, our attorneys answer one of the most common questions we get from people involved in car accidents: Should I speak to an insurance adjuster after a crash?

Your Guide to Dealing with Insurance Companies After an Accident

talking with the insurance company

(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.

The bottom line: You are not required to speak to the other driver’s insurance company. It is not in your best interest to do so. Do not give a recorded statement before consulting with a Las Vegas car accident attorney.

(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.

The bottom line: Even your own insurance company is not truly on your side. Many people end up in disputes with their insurer. Do not give a recorded statement to your insurance provider without first calling a Nevada car accident lawyer.

Know the Risks: Three Reasons Not to Speak Insurance Adjusters

You may be wondering: Why should I avoid talking to the insurance company after an accident? After all, you have nothing to hide and you are more than willing to share what you know about the crash in order to facilitate a fair settlement. Unfortunately, despite your good intentions, talking to an insurance adjuster directly can still cause big problems. Insurers are simply not neutral parties in the case. Here are three reasons not to speak to an insurance adjuster after a crash:

  • They Ask Leading Questions Designed to Build a Defense: Insurance adjusters are trained to ask very specific, leading questions. While coming off as both friendly and disarming, their goal is to elicit information that can be used to protect the financial interests of the company. You will not always know what they are looking for—and a seemingly innocuous answer to a leading question could actually undermine your case.
  • Your Words Can Get Twisted or Misinterpreted: Insurance companies are not above twisting words or taking statements out of context in order to further their own goals. Beyond that, they frequently use high-pressure tactics to try to get injured victims to say something that can be used against them. In far too many cases, insurance adjusters find a way to get people to say something against their own interests.
  • Even Perfect Answers are Unlikely to Help You: Imagine that you answer every question perfectly. That would surely help your case, right? Not exactly. Insurance adjusters are looking for information that they can use against you. At this stage of the process, even the most articulate answers are no better than simply not giving a recorded statement. When speaking to insurance adjusters, you are playing their game. A bad answer can cause serious damage to your personal injury claim, whereas a perfect answer makes little difference.
  • The Insurance Company is Required to Go Through Your Attorney

    Unfortunately, insurance companies have developed a wide range of tactics and strategies designed to minimize the amount they pay out to car accident victims. Whether you are dealing with an opposing insurance company or your own insurer, you need to be ready for the fact that they are looking for information that they can use against you to deny your claim or reduce your settlement offer.

    The good news is that top Las Vegas car accident lawyers are well aware of the insurance company’s tactics. Once you hire a lawyer, the insurance company cannot badger you for a statement. Your attorney will take over the process of dealing with the adjuster. If the insurance company needs a formal statement—which may occur later in the claims process—you have professional legal representation in your corner.

    Call Our Las Vegas, NV Accident Attorneys for Immediate Assistance

    At Ladah Law Firm, our Las Vegas car accident lawyers have the skills, knowledge, and expertise to handle insurance adjusters. If you have any questions or concerns about dealing with the insurance company, we are more than ready to help. For a no-cost, no commitment assessment of your personal injury case, please do not hesitate to contact us today: 702-252-0055. From our office location in Las Vegas, we are well-positioned to represent auto accident victims throughout Clark County and Southern Nevada.