Should I talk to the insurance company after a truck accident?

Injured Woman on the Phone With an Insurance CompanyNo, if at all possible, you should avoid speaking to the insurance company for the negligent trucker and trucking company. Your best strategy would be to let an experienced truck accident lawyer take over all communications with the insurance company if you want to receive the compensation you deserve for your injuries. Here is how talking to the insurance company on your own could hurt your case.

What Are the Dangers of Speaking to the Insurance Company?

If you were not at fault in causing your truck accident, you may expect the insurance company to treat you fairly and pay you all the damages you are entitled to under Virginia law. Unfortunately, they may not be looking out for your best interests. They will try to save money by denying your claim or paying you less damages in your settlement. Here are the dangers of talking to them on your own:

  • Your statements. Even if you are careful and know that the insurance adjuster is not your friend, you could say something that could be misconstrued as an admission of fault in causing your truck crash.
  • Recorded statement. The insurance company will try to convince you to give a recorded statement, which is a question and answer session that is transcribed into a written document. The insurance adjuster is trained to ask confusing questions designed to get you to make damaging statements they can use against you.
  • Medical release. The insurance company may also attempt to get you to sign their medical release. Their form is often a blanket authorization to obtain all of your medical records. The insurance adjuster would search your records for another incident or injury they could claim caused your current injuries. Do not sign any documents until an attorney reviews them for you.
  • Quick settlement. If the insurance company knows that you suffered serious injuries, they could offer you a quick settlement of your claim. However, it is most likely an offer for far less compensation than you are entitled to. You should not accept any settlement without consulting with a lawyer to ensure the settlement is fair.

What Should You Do if the Insurance Company Contacts You?

It is not uncommon for an insurance company to call a truck accident victim within a few days of the collision. If the insurance adjuster contacts you, you should politely refuse to discuss the collision or your injuries with them. Get their contact information and your claim number. Then inform them that you will have your attorney contact them.

Were you or a family member injured in a truck crash in Virginia Beach or Norfolk? Call our Norfolk office at 877-960-3441 or fill out our convenient online form to schedule a free initial consultation to learn how our dedicated truck accident lawyers can assist you.