Car Accident: Should I talk to the other guys insurance company if they call up for info about accident?

bostonianinmo

NO!!

Work only with your insurance company! If you say the wrong thing to the other company, you could cut yourself out of any settlement and leave your insurance company liable for something that they might not be liable for!!

Again, NEVER discuss an accident with anyone but the police, the DMV, YOUR attorney, or YOUR insurance company! EVER!!

nobody

If you don't feel comfortable talking to the other carrier then don't. Otherwise, since it seems you have nothing hide, talk to them. Given them your version of things. This accident may be disputed by them depending on the facts. They will definitely want to know if you signalled (blinker & horn) your indication to change lanes before you began to pass.

Slider728

Call and speak with your insurance agent first to see what they say.

You pay them to protect you in a case like this, so speak with your insurance first.

When in doubt, call a laywer.

CowboyBill

Well, DUH. A claims adjuster dares to call you to ask about the accident! What the hell do you want them to do? Tell them what happened for heaven's sake -- it isn't an issue of 'grilling' you, they just have to investigate it before they can settle (PAY). So if you want to keep this a combatitive situation just refuse to cooperate. Or if you are REALLY a dumba$$, get a lawyer. That way you will have to pay half of the settlement to him.

RichManPoorMan

NEVER NEVER NEVER talk to the other insurance company or any of their representatives. ALWAYS go through your agent, or the attorney your insurance co. hires.

david c

ABSOUTELY DO NOT TALK TO THE OTHER INSURANCE COMPANY ! ! ! ! ! They can get the information they need from your insurance company, also they get a police report on the accident that usually tells them who is at fault. They are only trying to find a way to get out of paying you what you are lawfully owed. In a auto accident, insurance companies for the other party has a "screw you" attitude and they are just trying to get to a speedy settlement so that they can move on to try to screw someone else. The best advice I can give is talk to a good lawyer. He will advise you of your rights and what can and cannot be done, and what the other insurance must do by law. He may advise you that they are to only communicate with you through him.

merlin_steele

Yes, I don't see any reason you can't tell your side of the story, which will probably be the truth. They want to hear it from someone else other than the person who is probably wanting money from them.

chazohio

please don't talk to them,been there. tell them to talk to your agent or your lawyer if they want info

Uncle John

YOu should let your insurance company talk to his. Did you call yours?
He pulled over into your car and tried to blame you? That's what insurance frauds do.

ShouldBeWorking

Yeah, they usually require to hear it from you. Just tell them the truth, and if you feel they are being unfair or prying to try to change the story then tell them to talk to your insurance company, or refer to that. If they are just asking, then there is no harm.

mktobyjo

You guys make insurance companies sound like crazy wild animals or something.

It's standard procedure that an insurance company call the claimant in an accident to get a recorded statement. It's recorded, then transcribed later for records. They aren't trying to screw you, simply just trying to settle the claim.

All the truth is on the police report anyway, so even you make up a lie about the accident, proof is there in the report. (Assuming you called the police)

Resasour

your insurance agent will advise you what to do... talk to you insurance company... they will also advise you of what to say and what not to say....

vetteslayer

tell them to talk to you lawyer or your insurance agent only.

greg41ca

i say yes talk to them but be polite answer their question if they start to get personal then refer them to your agent and let them hash it out good luck

Pucci88

You would want to give your version of the facts. If you don't, they will only go by the information that they have in order to make their liability decision (who's at fault) The fact that you had nearly completely passed the other driver, should weigh heavily on your side. As long as you are telling the truth and be as accurate as possible, it will only help you. In my opinion the other driver would be responsible. If for any reason, they deny your claim in part or completely, then go through your own insurance company and give them a statement and they can pursue the other insurance company for you and try to recover your deductible. (This process takes a long time 3-6 months if their is a dispute.)

But why is the rum always gone?

I would love to say talk to them, but in this day and age people and companies shaft each other so much, that I would say contact my insurance company. Tell them you are not comfortable providing this information without legal representation and that your insurance company has all the details and will be acting in your behalf.

barb

Do not talk to the other guys insurance company. If they ask you questions, Tell them to get a copy of the police report. Insurance companies ( most of them) are looking for a way NOT to pay the claim. If they can trip you up with a trick question, or if your not sure what they are asking, you could accidentally give them the wrong answer and it will be used against you later. I would NEVER talk to the other insurance company..

ja man

YES YOU SHOULD TALK TO HIS INSURANCE CO THEY HAVE TO CALL TO GET YOUR SIDE OF THE STORY and should hear from you not your insurance

ScrewedToo

Call the police, and make sure the other guy doesn't leave the scene of the accident even if you have to chase him to the next city make sure you get his information and call the police as soon as possible. Without a police report the insurance companies, yours and his are both going to deny coverage based on anything they can claim to avoid paying.

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