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Should You Talk to the Insurance Company After Your Accident?

In a litigious society, you often have to think like a lawyer. This is especially true when you are placed in a situation where you have potentially unlimited liability, like a car accident. It can be a confusing time, but the one thing you have to do above all others is protect yourself. It is for this reason you should be very careful about answering questions or making reports until you have consulted an attorney such as the injury lawyers of Polinsky Law Firm, Hartford.

Don’t Feel Obligated to the Insurance Company

One thing you must be aware of, regardless of the disposition of the incident, is the fact you are under no obligation, legal or otherwise, to answer questions or "report" an accident aside from the initial legally-mandated notification to police if damages warrant ( the police report ). Your insurance company can penalize you for not following the terms of your policy, but they can't compel you to make a statement at the scene.

Avoiding Misunderstandings

The second most important thing to remember is any statement you make at the scene or to any insurance company in the aftermath may come back to bite you later. Even if you make an inaccurate statement, your words can be used to challenge your account of events, which will only make it more difficult for you to protect yourself in the event of litigation, civil liability or criminal charges. Until you are absolutely sure, the correct course of action is to remain silent.

No Rush

Everything you say about a vehicle accident is "on the record," so it is in your best interests to make sure your statement is accurate and that you protect your rights. This is the key reason it is always a good idea to at least consult with an attorney prior to making any statements, especially to law enforcement. In fact, it is often a best practice to simply allow your personal injury attorney to speak on your behalf.

This is of particular importance if there is potential criminal liability attached to an accident. In any criminal matter, under no circumstances should you ever make a statement to police without an attorney present. For one thing, it can't ever help you and for another, it may introduce doubt where it is least convenient for you and your protection.

Vehicle accidents are stressful enough without making the situation worse. It is always a good idea to gather as much information as you can from an accident scene, but to do so without answering questions or making statements. Your attorney will be grateful.

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Polinsky Law Group, L.L.C.

890 West Boulevard
Hartford, CT 06105

Tel: (860) 232-9959
(860) 232-9959
Fax: (860) 236-8337

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