How To Have Strategic Conversations With Your Insurance Company?

In the event that you happen to become responsible for causing a car accident, you must be ready to follow a certain strategy, whenever you have to speak with your insurance company.

How to time that call to your insurance company?

• Do not make such a call while you remain stressed by your involvement in an unsettling event.
• Make a point of visiting a physician, a hospital, of other medical facility, before you call your agent, or the company’s claims office.
• Only after a doctor has seen you should you sit down and call your insurance company.

How to explain the accident?

Do not offer any opinion; understand that admitting fault would be the same as offering an opinion. It will provide the person that has taken your call with a simple and clear explanation, regarding what happened at the time of the collision.

Refrain from making any statements that include an assumption. Each of your statements should convey a fact that you know to be true. Realize that if you were to claim that you had not suffered any injury, then that would be the same as stating an assumption. Some symptoms might not appear until a week or more after the accident.

Actions to avoid

Do not sign a medical release form until your Personal Injury Lawyer in Kitchener is there beside you. Your signature on that form, as prepared by the insurance company, might allow the business that sold you auto insurance coverage to gain access to all of your medical records. If you chose to wait for your lawyer’s arrival, that member of the legal community might make certain changes in the release form, before allowing you to sign it.

Do not agree to make a recorded statement until you can do so in the presence of a personal injury lawyer. Your statement should focus on those details that are clear in your mind, not those that remain a bit hazy. If you guess at a fact now, you might feel compelled to alter your statement later. Any changes made by you might be pointed to as evidence that you have been trying to hide something.

Do not repeat the names of family members, of friends, or of any doctors. If you were to mention the name of a specialist, then that might suggest that you have a pre-existing condition.

Do not hesitate to say, “I don’t know,” if you do not know the answer to a question. Never guess at an answer. You might guess wrong, and then you would have to change your answer later. Evidence of inconsistencies could weaken your case. No action should equate with an assumption. Failing to see a doctor would equate with assuming no injuries.