Documents on a table with a toy car, magnifying glass, and hundred dollar bill over them.

How to Deal with Insurance Companies After a Car Accident 


Dealing with insurance companies in the aftermath of a car wreck adds a layer of complexity to the recovery process. Knowing how to communicate with your insurance and the at-fault driver’s insurance is crucial for a smooth claims process. It’s a good idea to get insurance involved as soon as possible after an accident.  The goal is to provide detailed and accurate information that helps your situation. Learn more about the dos and don’ts when it comes to navigating this. 

What to Say to Insurance After Accident 

When talking to your insurance company after an accident, you’ll want to share basic details about your accident such as the date, time, and location. Provide information about the parties involved as well such as their insurance, contact information, etc.  

Clearly communicate the injuries you sustained and the extent of the damage to your property. Providing a comprehensive account helps the insurance company assess your situation accurately.  

Finally, follow any instructions your insurance company relays to you carefully. They may provide you with specific steps on the claims process. Following these instructions could help ensure a smooth resolution. 

What Should You Not Say to Your Insurance Company After an Accident 

While your insurance company is meant to help you with obtaining compensation, there are things you should avoid saying or doing that could actually hurt your case.  

For example, try to refrain from admitting fault or making statements that could be interpreted as an admission of guilt. Car accidents can be complicated, and faults are not always easy to pinpoint. Stick to the facts when talking to your insurance company without assigning blame.  

It’s also important to only provide information you are certain about. Avoid any speculating or guessing when it comes to the situation. Inaccurate statements can complicate the claims process. 

Finally, it can be useful to consult with a lawyer before accepting any settlement offer.  A lawyer can inform you of potential damages you may recover, some of which you might be unaware of and would not consider in evaluating a settlement offer from your insurance company.     

How to Deal with At-fault Driver’s Insurance Company 

Dealing with the at-fault driver’s insurance company can be tricky and it’s useful to have legal representation on your side to navigate the process. Ideally, it is recommended to not speak with the at-fault’s insurance company without first consulting with a lawyer. If you do retain an attorney, it is then recommended to have the attorney speak on your behalf. While you are obligated to report the accident to your insurance and the at-fault driver’s insurance, be cautious about providing extensive details. Stick to the facts and avoid unnecessary discussion.  

If you have legal representation, consult with your attorney before engaging. They can provide guidance on what to share and help protect your interests.  

Reach Out to DiPasquale Moore for Expert Assistance 

Navigating insurance negotiations can be intimidating. At DiPasquale Moore, we understand the intricacies of dealing with insurance companies after a car accident. Our experienced car accident attorneys are here to help you secure the compensation you deserve. Contact us today for expert help in negotiating and protecting your rights.  


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