Accidents happen on a daily basis. If you are in a car accident and it is not your fault, you may be able to get a substantial settlement to compensate for your pain and suffering.
Though your insurance company is there to help, the other party’s insurer most likely will not be. Therefore, there are a few things to know when you communicate with the other driver’s insurer.
In general, there are a few things that all drivers must do after an accident, and these requirements may vary per state. The Department of Motor Vehicles provides a breakdown of the requirements after a vehicle accident in Nevada. One vital requirement is to collect the information of the other party. Not only is this a requirement by law, but it is also essential to your claim.
It is important that you speak with your insurer after your accident. Try to gather as much information as you can before speaking with them, and make sure you are in a clear mental space. However, you are not under any obligation to speak to the insurer of the other individual. In fact, doing so could put your case in jeopardy. If you unknowingly provide information that they may use against you, they may work to decrease your settlement amount. If the insurer contacts you, feel free to direct them back to your insurer.
There are certain instances where speaking with the other person’s insurer may be a requirement. If so, try to be as consistent as possible with your statement to your insurer. You should also be honest and clear. If you would feel more comfortable, you may have your insurer or attorney join you on the call to ensure you do not say anything that could damage your case.
In short, communicating with the other driver’s insurer after an accident should be at a minimum, if at all. Take time to understand the claim process so you may properly position yourself to receive the settlement you deserve.