How a North Carolina auto accident lawyer can help you answer car insurance company questions
August 31, 2021at4:00 AM
After you’ve been involved in a car accident, part of the subsequent process will likely involve communicating with car insurance companies. This is especially true if one of the parties involved, whether it’s you or the other driver, intends to seek compensation for any damages sustained, either to the vehicle or themselves. Through this process, you’ll need to answer car insurance company questions, so it’s important to know what to expect and what information you’re actually obligated to provide.
With your own insurance company, you should provide the name, address, phone number, and insurance information of other drivers involved in the accident, the law enforcement agency responding to the incident, the date, time, and location of the accident, and any injuries or damage to your vehicle you’ve sustained. For injuries in particular, it may be best to wait until you’ve visited a doctor and received any results from your visit, as you may have received worse injuries than you immediately feel or realize after the accident. It’s important not to downplay the severity of your injuries or vehicle damage, even to your own insurer, and to instead be as straightforward as possible about them.
Communicating with the other driver’s insurance company
If you communicate with the other driver’s insurance company, they are likely to ask you the same questions as your own company about the basic details of the incident. However, they will also likely ask questions like whether you were hurt, whether you were wearing a seatbelt, how the crash occurred, the contact information of any witnesses, whether the weather may have played a role in the crash, and which direction you were travelling in. Their goal in asking these questions is to pay as little money to you as possible by creating a case that their insured driver was not at fault.
The point made in the previous section is especially important here; don’t downplay the severity of your injuries or car damage in any way. Be sure of these details before communicating with any insurance company, because they could be used in a case against you in court.