If an insurance company contacts you after you’ve sustained an injury, you must approach the situation carefully. Here are some steps to consider:

Remain Calm and Polite: Stay composed and courteous, even when stressed or anxious. Being calm will help you think clearly.

Do Not Admit Fault: Avoid making statements that could be interpreted as admitting fault or liability. Even casual remarks can be used against you.

Limit Information Sharing: Provide basic information, such as your name and contact details. Avoid discussing the details of the incident, your injuries, or your medical treatment. The insurance adjuster may try to get you to provide a recorded statement or detailed account, but it’s best to avoid doing so without legal counsel.

Do Not Provide a Recorded Statement: Politely decline to give a recorded statement. You are not legally obligated to provide one immediately, and doing so without legal advice can potentially harm your claim.

Avoid Discussing Your Injuries: Do not discuss the extent or specifics of your injuries. It’s best to wait until you’ve fully assessed your medical condition and received advice from a healthcare professional.

Do Not Settle Quickly: Insurance companies may offer a quick settlement, but initial offers are often lower than you may be entitled to. Do not accept any settlement offer without fully understanding the extent of your injuries and damages.

Document the Conversation: Take notes on what was discussed during the call, including the insurance adjuster’s name, the date and time of the conversation, and any information you provided.

Consult an Attorney: Before engaging further with the insurance company, consider consulting with a personal injury attorney. An attorney can advise you on how to proceed, protect your rights, and handle communications with the insurance company on your behalf.

Follow Your Personal Injury Attorney’s Advice: If you have already retained an attorney, inform the insurance company representative that you have legal representation and direct them to contact your attorney for further communication.