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Should I Talk to My Own Insurance Company After a Crash?

Attorney David I. Fuchs


Attorney David I. Fuchs


Nov. 22, 2020


Car Accidents

No. You shouldn’t talk to any insurance company before consulting with a car accident lawyer. Every insurance company has a goal of paying you as little as possible. Even if you make a claim under your own collision or uninsured motorist policy, they may try to offer you less than you deserve.

Attorney David I. Fuchs has more than 30 years of experience negotiating with insurance companies to get his clients the money they need to cover their damages. Call our law office today at (954) 568-3636 or use our online contact form.

What Should I Do If My Insurance Company Calls Me After a Crash?

Both the insurance company of the at-fault driver and your own will probably call you after the wreck, but you shouldn’t speak with either of them personally. Simply tell them that you have an attorney and they can get a statement from them.

Anything you say to the insurance companies will be held against you, if possible. They will try to use what you say to reduce your recovery.

For example, if you tell your own insurance company that you’re “okay” after an accident, then they may question why you need $10,000 or more in medical expenses. Only you and your doctors should be determining what type of medical treatment you need and how much. The insurance company will scrutinize every bit of it if you say the wrong thing.

What Should I Tell My Attorney?

Your attorney will get a statement from you about what happened before, during, and after your car accident. Attorney Fuchs will help you phrase everything in a way that is beneficial to your claim. We will honestly, but carefully, present the information.

The insurance company will ask questions like the following:

  • How did the accident occur?
  • Were you on your phone while driving?
  • Were you otherwise distracted at the time of the accident?
  • Did you notice anything suspicious about the way the other driver was driving? (Was he swerving or speeding, for example.)
  • What did you do to avoid the accident?

Why Would My Insurance Company Contact Me After a Crash?

Your insurance company will contact you after a crash to get the details of what happened and find out how much money they need to pay you to compensate you for your damages. Your Personal Injury Protection (PIP) insurance will cover a small percentage of your damages, such as medical costs and lost wages. However, to get compensation for things like pain and suffering, you will have to seek money from the at-fault driver.

Your insurance company will not help you with a claim against the at-fault driver. Only a seasoned personal injury lawyer can help you through an opposing insurance claim. The process can be complex and may result in a lawsuit, so you should always work with an attorney who is familiar with the process.

Call David I. Fuchs, Injury & Accident Lawyer, P.A. For Help With Your Insurance Company

You might know that you need an attorney when dealing with the at-fault driver’s insurance company, but it can be difficult to know when to call if you’re just managing a claim through PIP or your own insurance company. In reality, you should contact a car accident lawyer right away after an accident and let them handle the entire process.

Call attorney David I. Fuchs today to help you manage a car accident claim: (954) 568-3636. You can also reach out via our online contact form.