What Do I Do If the Insurance Company Contacts Me?

When you’re involved in an accident, receiving a call from the insurance company can be both expected and daunting. At The Leach Firm, P.A., we understand the complexities and concerns of these conversations. Here’s a guide to help you navigate these interactions wisely, ensuring your rights are protected every step of the way.

Understanding the Insurance Company’s Call

When you’re involved in an accident, receiving a call from the at-fault party’s insurance company is a common next step. These calls aim to collect details about the incident, which assists the insurer in determining liability and possibly proposing a settlement. Here’s why approaching these conversations with caution is essential:

• Information Gathering: Insurance adjusters are skilled at conducting interviews that might lead you to make statements that could undermine your claim. They may ask leading questions or request a recorded statement to get you to admit partial or complete fault or to downplay your injuries.
• Early Settlement Offers: Be wary of quick settlement offers. They often do not reflect the actual value of your claim, especially if made before the full extent of your injuries has been realized. Accepting an offer prematurely might prevent you from claiming additional costs related to your injuries later on, such as unforeseen medical treatments or extended periods of lost wages.
• Understanding Your Rights: You must consult legal or professional advice before providing detailed information or accepting any settlement. Politely decline to discuss specifics or make decisions on the spot. Instead, consider stating that you will discuss their questions or offers with your attorney.
• Consulting with Your Attorney: Before engaging in discussions with the insurance company, consulting a personal injury lawyer can provide you with an understanding of your claim’s worth and the best way to proceed. An attorney can handle communications with the insurance company on your behalf, ensuring that your rights are protected and that you don’t settle for less than your claim is worth.
• Documenting the Conversation: If you speak with the insurance adjuster, take notes. Record the date, time, the adjuster’s name, and the substance of your discussion. This documentation can be invaluable in disputed claims or clarifying what was said during initial contact.

Should You Talk to Them?

Here’s what you should consider if the insurance company contacts you:

• Basic Information: It’s generally safe to provide basic information about yourself (name, contact) but avoid discussing the accident’s details or injuries.
• Consult an Attorney: Before providing any statements or accepting any offers, it’s wise to consult with a personal injury lawyer. An attorney can help you understand the value of your claim and negotiate on your behalf.

The Role of Comparative Fault

In Florida and Georgia, your compensation can be adjusted based on your share of fault in the accident. If you’re found partially responsible, your eligible compensation could be reduced. Discussing the accident with an insurance company without legal guidance may lead to statements that increase your share of fault under this doctrine.

Statute of Limitations

Both states have a statute of limitations for personal injury claims. This statute specifies a time limit for filing a claim; currently this is two years from the date of the accident. You must initiate any legal action within this time frame, making it imperative to seek legal advice promptly to ensure your rights are preserved.

Making the Right Choice for Your Case

Deciding whether to engage directly with the insurance company is a significant decision that can impact the outcome of your claim. Having experienced legal representation can provide the guidance needed to navigate these interactions effectively, ensuring your claim is accurately valued and your rights defended.

Let The Leach Firm, P.A., Be Your Guide

If you need more clarification about handling insurance company inquiries or are considering pursuing a claim, The Leach Firm, P.A. is here to help. With over 100 years of combined experience in personal injury, workers’ compensation, and employment law across Florida and Georgia, our team is dedicated to achieving the best possible outcomes for our clients.

Navigating the aftermath of an accident can be overwhelming, but you don’t have to go through it alone. For support, guidance, and expert legal representation, contact The Leach Firm, P.A., at 844-722-7567 or online for a free case evaluation. Together, we can ensure you receive the justice and compensation you deserve.