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If you’re involved in an accident, there is no specific law that says you must talk with the other driver’s insurance company. If you’re at fault for accident and police investigates, the Fifth Amendment gives you the constitutional right to stay silent since something that you say will be used against you later on.
This Fifth Amendment right is not the same with your own insurance service. Most insurance companies require that a car accident is reported to them and cooperate with the insurance company as it investigates the claim.
If you choose not to work with the insurance service in the aftermath of the mishap, your obligations would mean that you’ve breached your contract. With a contract breach, your insurance company will be within their legal rights to reduce or completely deny the policy cover or not give you with a defense, in case you are sued by the other driver and is considered you liable for the mishap, as per personal injury lawyer in Hamilton.
Basically, when it deals with your insurance service, anything you fail to say can be used against you to deny you your insurance benefits. While with another person’s insurance company, anything you do say is used against the plaintiff to disapprove coverage or cause you to pay more than you need to.
Dealing with At-Fault’s Party Insurance Company
It’s likely that you will receive a call from the at-fault party’s insurance adjuster. It’s standard practice. That said, you don’t have to talk to their insurance company. It is in your best interest not to discuss anything about the crash with the other party’s insurance company, or the level of property damage or related injuries.
The call from another insurance company will be friendly and sound casual. They might even try to make it sound like it’s more beneficial for you to talk to them so that a claim can be reached more quickly. The claims adjuster will be very skilled at doing this. Remember to be polite but don’t engage. Do not consider any offers for settlement and don’t allow your conversation to be recorded.
Remember the following and you won’t be tricked into providing information that could harm instead of help you.
• The other driver’s insurance company is not on your side and is not interested in looking out for you.
• The other driver’s insurance company is looking to pay as little as possible or nothing at all. They want to avoid financial responsibility for the accident and will go to extraordinary, yet legal, lengths to avoid doing so.