Tips for Talking with Insurance Companies after a Car Accident By William Chanfrau, Jr. on December 08, 2020

claims adjuster takes notes about a carYou’re bound to have a lot on your mind after an auto accident. Your first priorities should be the health and safety of anyone involved with the crash. Eventually, you can expect a call from the insurance company. Knowing some do’s and don’ts during your conversation with an insurance adjuster can help with the settlement.

The Daytona Beach and Palm Coast, FLcar accident attorneys at Chanfrau & Chanfrau would like to share some tips for talking with insurance companies after an auto collision. We also recommend speaking with an attorney after your crash for additional information.

Ask the Insurance Rep to Identify Themselves

Before discussing any matters about the accident, be sure to identify who you are speaking with. Get their name, contact number, who they represent, and their business address.

Take Notes of All Discussions

The insurance adjuster’s information isn’t the only thing you should jot down. You should also take notes of all interactions with the insurance company. This information will be helpful when discussing your crash with your lawyer.

Set Boundaries on Phone Calls

Be sure to let the insurance representative know that you’d prefer to communicate primarily through writing, and that phone conversations will only cover a limited amount of information. During phone calls, there’s a risk of providing incomplete or inaccurate information, which the insurance company could use against you later on.

Refuse to Be Recorded

The insurance adjuster may ask if they can record the conversation. You can refuse to have the phone call recorded since you are under no legal obligation to accept recording. Again, any inaccurate or incomplete information during the call can be used against you, so it’s best to decline the offer as you set boundaries on phone conversations.

Provide Factual Information and Answers

Throughout all phone conversations with the insurance company, be sure to keep your answers short, and stick to the facts as much as possible. Do not lie or fabricate any information.

Avoid Admissions of Guilt or Fault

While discussing the incident, do not make apologies or admit fault or guilt. It’s also important to avoid placing blame during this call.

Don’t Discuss the Accident

The insurance company may try to get you to make a statement about the accident and what occurred. When discussing the accident, only provide the time of day, location, type of collision, vehicles involved, and list the witnesses. Other information can be provided later in writing after discussing the matter with an attorney.

Don’t Discuss Your Injuries

Like the collision itself, you shouldn’t discuss injuries and medical conditions over the phone. There’s a risk of omitting information, an additional injury being discovered at a later time, or your current condition deteriorating. Again, this is something that can be discussed with your attorney, with the details offered in print rather than by phone.

Always Keep the Conversations Cordial

Speaking with insurance representatives can be stressful, and you may still be dealing with the effects of the collision. That said, you need to keep all conversations with the insurance company cordial and respectful. Do not lose your temper or take out your frustrations on the adjuster, as that can backfire on you.

Contact Our Law Firm

If you live in the Daytona Beach area and have been involved in an auto collision, the attorneys at Chanfrau & Chanfrau can help you. Contact our law firm online, or schedule a consultation by phone at (386) 258-7313.

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Chanfrau & Chanfrau

Chanfrau & Chanfrau has been serving Floridians in Daytona Beach and the surrounding areas since 1976. With three attorneys and two locations, we have the resources to help you after an accident or injury. We are proud of our many achievements, including inclusion in:

  • America's Top 100 Attorneys
  • The National Trial Attorneys Top 100 List
  • Florida Trend's Florida Legal Elite

For more information about our legal services, contact our firm online or call (386) 258-7313 today.

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