Should you deal with insurance companies?
Insurance companies may want you to give a recorded statement or just get your version
of the facts. However, they do not really care what your version of the facts are. They are trying
to get you to say something they can use to limit the amount of money they will have to pay you
later. Do not give them that chance.
You have no obligation to talk with the other driver’s insurance company.
For the same reasons that you should not talk to the insurance adjuster or give a recorded
statement, you should not provide the other driver’s insurer with this information without an
attorney reviewing it first – no matter how nice the insurance adjuster may seem.
Further, do not release your medical records to the other person’s insurer. Insurers try to
find evidence of any injury or illness you might have had, even in your childhood and not related
to the injuries you suffered in this accident in an effort to find a pre-existing condition or in some
other way try to reduce your potential recovery.
You do not know how the injuries you suffered are going to heal years from now, and
insurers know this. They will often try to get you to settle your case for a small amount knowing
you are not represented by an attorney. If the insurer wants you to sign a release, the payment
you get from the company at that time will likely be the last compensation you ever receive
for your injuries. Do you know if your injuries will cause you to lose time from work in the
future? How long you may need physical therapy? The cost of future medical care and
prescription costs? Your ability to enjoy the same activities as before the accident? Will the
injuries someday potentially keep you from earning a living? Will you need surgery at some
later date? Are your injuries degenerative?
Don’t just agree to let the other side buy your car as a property settlement.
Your car is evidence of the damages you experienced and the trauma you went through. If
the insurer buys it, it will likely be destroyed, especially if it was totaled, and you may not
have had it examined by the experts who would need to look at it, or had proper photos taken of
it to use as evidence in court later.