Our clients often call asking us if they should give a statement to the insurance company. After an accident you shouldn’t talk to anyone about the details of your case, except your attorney or the police. This is ESPECIALLY true for the other driver’s insurance company (also known as the liability insurance or at-fault insurance company).
However, with every rule there are some exceptions. Here, while you don’t want to provide a statement about the at-fault or other driver’s insurance, you may be required to provide one to your own insurance company. That’s because you are in a contractual relationship with them, and your policy dictates the terms of that relationship. Most times, that includes cooperating with the investigation and sometimes it requires accidents to be reported within a certain period. If you are asked to make a statement by your own insurance company, it’s usually a good idea to do so. Here are some tips:
- Be Honest: Always be truthful in your statement. Providing false information can lead to complications with your claim and may even be considered insurance fraud.
- Stick to the Facts: Provide a clear, concise account of what happened without embellishment or speculation. Stick to the facts as you remember them.
- Provide Relevant Details: Include details such as the date, time, and location of the accident, as well as the names and contact information of any witnesses.
- Describe the Incident: Explain how the accident occurred from your perspective. Include information about the vehicles involved, the road conditions, weather, and any other relevant factors.
- Document Damage: If possible, provide information about any damage to your vehicle and any injuries sustained by you or others involved in the accident.
- Follow Up if Necessary: If you remember additional details after providing your initial statement, don’t hesitate to follow up with your insurance company.
Remember that your statement will be used to determine fault and assess damages, so it’s essential to be thorough and accurate. If you have any concerns or questions about providing a statement, you should always consult with an attorney or a representative from your insurance company for guidance.