When handling an application for automobile accident, I am often asked the questions: " the insurance company of the other guys called me. Should I talk? What should I say? "
This is when Martha individual super-careful and Martha the professional claim of known good sense disagree. I do not necessarily think it's a good idea for someone without experience in handling an accident claim simply bare their souls to another insurance company. at the same time, I know that the other company needs certain information to complete their investigation and failure to cooperate with the investigation could mean delays and costs to all concerned.
So what do I say to my client? first I remind them that they are not the same obligation to cooperate with the other company that they must cooperate with us, their own carrier. But I remind them that it is reasonable for the other company to request specific information on the accident and the people involved. Most requests of people are out of business or a person trap. They are just trying to complete an investigation.
If you are contacted by an insurance company other than your own after an accident, it might be a good idea to set some parameters for a recorded interview. For example, agree not discuss how an accident, but no details on injuries. And there is no need to be concerned to appear uninformed or "dumb" in a conversation with the other company. If you do not understand a question, just say "I do not understand" or "I'm not sure what you mean." For example, if the interviewer asks what direction you are traveling and you are not sure if you were to the north or east, not guess instead, you can explain where you come from and traveling! ". I'm not sure, but I had _____and going to _____ "
Other reasonable questions you might be asked include the date, time, and place of the accident, and a general description of the area, lighting, and weather at the time of the accident. General information to confirm your identity (name, address, date of birth and phone number) are typical questions, such as questions about vehicle ownership involved.
most interviewers will ask you to describe what happened and will certainly let you wander! It is best to just stick to the facts and resist any temptation to elaborate. say you're sure that the accident happened at 7:55 because we had to be at work at 8:00 can lead someone to conclude that you were in a hurry. Also, be careful to deny injuries, unless you are absolutely sure you n 'are not injured.
Finally, I always tell my clients to trust their instincts. If you are not comfortable with the conversation, end the call as pleasantly as possible. Then call your insurance company. Sometimes they can provide to the other company a copy of the statement in your file or explain the process more fully. Depending on the situation, you might be able to use your own coverage and we deal with the other company. Remember the other company is just doing their job and needs your help, but your insurance company is there to help you!
Have you ever had an accident claim? What was your experience like when dealing with the other insurance company?
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