What Do I Do If the Insurance Company Contacts Me in Virginia?

When you’ve been injured because someone else failed to act responsibly, there’s a good chance that the person who caused your injuries will be expecting their insurance company to cover your losses. That is only natural, since coverage is the reason we purchase liability insurance for our vehicles, homes, and commercial premises.

However, insurance companies have a vested interest in paying as little as possible for claims so that they can turn a profit. That means they are often looking for any way to deny or reduce the value of a claim. You don’t want to assist in the process. So you need to take great care with what you say and do after an accident. If the insurance company contacts you, do not let them intimidate you into following their agenda.

Refer All Questions to Your Attorney

The safest course of action when communicating with an insurance company about a claim is to allow a legal professional to advocate on your behalf. Experienced personal injury lawyers know the tactics insurance companies use to catch people off guard. They know that statements can be taken out of context and used to deny liability or undermine the severity of an injury.

Your attorney can provide the information the insurance company needs to know without providing nonessential information or speculation that could be used against you.

Collect Basic Information

If you do not yet have any attorney to refer the insurance company to, or you feel the need to be polite, you can pleasantly ask for information from the insurer before providing any information to them. Ask for the name of the company and the representative’s name, title, and contact information. Write down the information to share with your lawyer later.

In return, give as little information as possible. You can provide your name, address, and phone number, which they probably already have anyway. Write notes of anything you talk about, but do not volunteer any other information, including information about your insurance company or the accident and injuries.

Tell the other company that they should not contact you again but that you will call them.

You are Not Legally Obligated to Speak to Any Insurance Company But Your Own

Insurance representatives generally try to come across as helpful and friendly, and you may feel rude if you decline to talk to them. However, it is important to realize that you are not required to answer questions from anyone else’s insurance company. They know this, but they are hoping you will say something to reduce the value of the claim.

The insurance companies will talk to each other. And if you hire an experienced attorney, your legal advisor will know when it is in your best interests to communicate information and what should be shared.

If your injuries came from a car accident involving your vehicle, you will need to talk to your own insurance company. You should be prepared to give them basic factual information such as the date, time, and location of the accident and the type of cars involved. You can also provide the names of others involved and the other driver’s insurance company. Avoid speculating about what caused the accident or the extent of anyone’s injuries. If they ask you what happened, it is best if you can say that you would rather provide a written statement. Then your attorney can help you prepare a statement that avoids any issues that could impact your ability to recover damages.

Know What to Avoid

If you are being pressured or overwhelmed with friendliness by the other insurance company, it can be hard to just hang up. When you talk to representatives from an insurance company try to avoid giving in to certain tactics:

  • Do not let them record you. They may promise that the process will go faster if you can provide a recorded statement. But anything you say can potentially be twisted and used against you.
  • Do not say you’re fine or you’re sorry. If someone asks how you are doing or mentions a problem and you give the standard polite responses, those can be taken as evidence that you are not hurt or that you are at fault for causing the accident.
  • Do not get engaged in conversation. The insurance representative may be friendly and it can seem rude to avoid sharing information, but remember that they are looking for anything they can use to deny or reduce your claim.

Stick to the most basic facts and get legal advice as soon as possible.

Let Jennifer Porter Talk to the Insurance Company Instead

Attorney Jennifer Porter worked as house counsel for insurance companies for years. She knows the strategies they employ to trick people out of the compensation they deserve after an injury. And she knows how to beat those tactics.

If the insurance company calls you, tell them to talk to Jennifer. She and her team will fight to get the recovery you deserve.