Is a Written or Recorded Statement Necessary After an Auto Accident?
Have you ever wondered how insurance companies end up becoming so profitable? Of course they obviously earn money on each policy sold but then after an accident or natural disaster those profits and more are paid out to policyholders and/or victims. One very profitable income stream is generated through denying legitimate benefits due, especially in the case of automobile accidents.
Motor vehicle accidents are traumatic enough without the added headache of dealing with the other driver’s insurance company (often referred to as the liability insurance company) since they definitely do not have your best financial interests in mind. Often even days or weeks after a car accident you can still be distracted especially when having to deal with your insurance company, the other driver’s insurance adjuster and if you were injured, all the medical personnel including the emergency room, your personal physician and depending on the extent of your injuries, surgeons and/or physical therapists. With all this on your mind, it is easy to say or write something that could easily be misconstrued by the representatives of the liability insurance company.
These individuals only care about your version of the event for one reason and one reason only, and that is to discover something that will allow them to limit the amount of money they are obligated to pay you. More than likely you will be dealing with an insurance adjuster who has been professional trained on how to come across as “your best friend.” If the accident has been especially traumatic, you may unintentionally be sharing more than you should, simply because you have someone on the other line with a sympathetic ear. Don’t be fooled! His interest in your pain and suffering or the fact that you now have no way to get your kids to school, is all invested in finding that one loophole so his employer can stamp DENIED across the front of your claim.
Often when speaking to the adjuster and things aren’t going his way, statements might be made implying you have a legal obligation to talk to him. You have absolutely no legal or ethical obligation to talk to anyone else involved from the other driver’s insurance company. These rules also apply when a written statement is requested. Many people erroneously believe all they have to do is tell the truth and the liability insurance company will do the right thing. Unfortunately this never happens. If the other driver’s insurance company continues to insist on a statement, refer them to your insurance agent or your attorney.
The liability insurance adjuster will make it his mission to convince you there is an overwhelming sense of urgency tied to settling your claim. Yes, there are statutes of limitations, but those statutes generally expire in years, not months. This is important to keep in mind especially if you have been injured or if the accident relies on the testimony of eyewitnesses.
After an auto accident the insurance adjuster may attempt several different methods to get you to give a statement. If at any time you begin to feel uncomfortable, harassed or would just like to speak with a seasoned legal professional who is completely on your side regarding your rights, please contact Dan Pruitt Injury Law Firm today for assistance. Someone from our experienced team will contact you to schedule your free case evaluation. Remember, most auto accidents do not require the services of an attorney, but when they do, Dan Pruitt Injury Law Firm is here to ensure you are treated fairly and receive complete compensation.