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Nickelsporn & Lundin, P.C.

Dealing With The Other Driver's Insurance Company

After an accident, if you’re deemed not at fault and file a bodily injury or property damage claim, expect to become very popular with the other driver’s insurance adjuster.  They will likely request a recorded statement from you.  You’re not required to do this, and we recommend that you never give a statement before talking to us about the accident and your rights.  (Note:  if your own insurance company requests a recorded statement, you’ll need to cooperate; but again, you should talk to us first before speaking to your insurance company.)

The other driver’s insurance company probably will ask you to sign a medical authorization to gain access to your medical records.  Don’t sign it!  There’s no need for them to have more information than necessary.  They’re simply fishing for information from either past injuries or medical conditions that could damage your claim or limit your ability to collect fair compensation.

The other driver’s adjuster may also want to settle your bodily injury claim with you before you’re finished with your medical treatment, sometimes with hours or just a few days after the accident.  Think vultures on the savannah.  Remember, they’re not looking to do what’s best for you; they’re looking to do what’s best for them – saving money.  Threats to withdraw a settlement offer are empty ones.  Don’t settle without talking to us first.

If the other driver’s adjuster presses you to sign a release of any sort, call us before signing anything.  Don’t be intimidated by the insurance adjuster.  Again, do what’s right for your circumstances, not theirs.  Adjusters can also be charming, friendly and ask seemingly innocent questions.  But even a “How are you?” and a response of “Fine” can damage your case.

Put our experience in accident cases to work for you.  Let us be your advocate with the insurance companies and guide you each step of the way to fully recover the damages you’re owed.

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