Dealing With the Other Auto Insurance Company
When you file a car accident claim against another driver
, you can be assured that their insurance company will contact you shortly after. While this may not seem like a big deal at the time, the purpose of their reaching out to you is to get information to use against you in the future. For this reason, I strongly suggest that you do not talk to the other insurance company before consulting an attorney first. Insurance companies are just like any other business and are focused on profit first. To be as successful as they can be, their goal is to lower or deny your claim. If you are contacted by the insurance company, seek out an attorney's advice. Every personal injury lawyer I know offers free initial consultations, so this important step in your claim will not cost you a single dime.Insurance companies use what I like to call the "3 D's," which are delay, deny, defend. The delay tactic is used either to frustrate someone filing a claim, or to string it out so long that it passes the statute of limitations. Their hope is that you will find the hassle of fighting this claim overwhelming, and just plain give up. Be sure that you do not let the statute of limitations pass before deciding to fight your claim, though. In Washington state, this is three years, so if you are getting close to this line, make sure you seek out the advice of an attorney immediately.The second "D" is deny. Insurance companies make their big profits by denying claims. The most important reason to not talk to the other insurance company before consulting an attorney, is because you may say something that will make this easier on them. Immediately following an accident, it is difficult to fully comprehend the situation and the extent of your injuries, and you may say something you do not necessarily mean. If the insurance company is recording this conversation, they will be able to use your mistakes against you.The third "D" is defend. When you hire an attorney, the insurance company will know that you are serious and will bear down and fight the case. They have lawyers retained on their staff for this very reason. They are already paying these lawyers, so it does not cost them anything to do it, which is why it is so important that you have an experienced personal injury attorney on your side. Keep in mind that if you talked to the insurance company early in the process without the advice of an attorney, their lawyers will break down what you said for all it is worth.Because the consultation will be free, there is nothing to lose by seeking out initial advice from a personal injury lawyer. As I do with my clients, an attorney will be able to tell you whether or not you have a viable case and become the main point of communication with the insurance companies so you won't have to.Dealing With the Other Auto Insurance Company
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