After a car accident, an adjuster from the other driver’s insurer might call you. The representative could contact you, irrespective of who was at fault for the crash. But, do you have to speak with the other insurance company?
Your decision hinges on the facts of the accident.
It’s not advisable to speak with the other insurance company if it’s likely that you or any other affected party could file a personal injury claim.
You should then let a lawyer experienced in personal injury claims in Utah County represent you. The other insurance company can also speak to an adjuster from your insurer.
You’re not under any legal obligation
While you’re obligated to contact your insurance company after a crash, you’re not legally required to engage with the other driver’s insurer. If their adjuster calls you, it’s your decision whether to speak with the representative or not.
There are occasions you might want to speak with them
Sometimes, a driver who is at fault for a minor accident may refuse to contact or talk with their insurance company. The driver might also lie to the insurance company about particular facts of the crash.
Their insurer would then be clueless about who was at fault or even the extent of personal injuries and vehicular damage caused by the collision. In such circumstances, you might need to speak with the other insurer. There may be no other way to expedite the claim process or get compensation.
It’s wise to let your personal injury lawyer in Utah County or a representative from your insurance company speak on your behalf when another driver’s insurer wants to talk to you.
However, if the injuries and damage caused by the crash are insignificant and the other driver was undoubtedly at fault, you may speak with the other insurer — but cautiously. Give them the essential and objective facts of the crash. Don’t volunteer information, and don’t give recorded or written statements.