It’s important to know what information you should and should not share with the insurance company after you’ve been in a Chicago car accident.
After a Chicago car accident, there are three important things that an accident victim should do. First, get immediate medical attention for any injuries. Second, contact a car accident lawyer to clearly understand your legal rights and how to recover compensation from the at-fault driver. Third, contact your insurance company and notify them about the accident.
You will have to communicate with the insurance company details about the accident and the at-fault driver. You should understand what information to share with the other party’s insurance company and what kind of information should not be shared.
Information that Can Be Shared
When speaking to the insurance company, an accident victim should be articulate and precise, divulging only information that is absolutely necessary for the insurance company. While most of the conversation will center on the accident itself, the other party’s insurance agent could require a written or a recorded statement detailing the accident. An accident victim should divulge information regarding:
- The location of the accident
- The date and time the accident occurred
- The type of accident / collision (e.g. T-bone accident, Rear-end collision, etc.)
What Not to Divulge
Accident victims should remember that any extra information they divulge could weaken their case. They should first consult with their own Chicago auto accident attorney before discussing the accident with the insurance company. They should avoid discussing details that could be important for their case.
- Witness Identification: The insurance adjuster could question the witnesses present, ask for their contact details, and request a copy of their statements. Such information need not be given immediately. They can be divulged at a later date after consultation with their own attorney.
- Injury details: Discussing details about the injuries immediately can weaken the accident victim’s case. Some types of injuries can present more serious complications later on. While the severity of the injuries will decide the settlement amount, the details regarding the same can be shared later after understanding the extent of injuries and expenses incurred. Giving a general description like (I have injured my neck, back, leg, etc.) will suffice.
- Medical Records: Eventually, the other party’s insurance could request medical records for settlement. Providing them with medical records early in the case can damage the accident victim’s claim. It is prudent to divulge medical records to the other party’s insurance adjuster only after consultation with their own lawyer. Moreover, the accident victim has the right to decide the amount of information they want to divulge.
Seeking Legal Help
If you or a loved one have been injured in an auto accident, you may have many questions and concerns. It can be intimidating to talk to the insurance companies. Afterall, their goal is to pay as little as possible, which means that they do not have your best interests at heart.
At Willens Law Offices, we will help guide you through the process of filing a car accident claim and will help you deal with the insurance company. In addition, we will help you understand all of your legal rights and options. Call our Chicago car accident law firm today at (312) 957-4166 or fill out our online contact form to request a FREE consultation.