Should I Talk To The Other Driver’s Insurance After An Accident?
October 7, 2025 Posted In Car Accidents
Before speaking to any insurer, it is important to consult a car accident attorney first. After a car accident, you can expect a quick call from the other driver’s insurance company. They may sound polite and concerned, asking for “your side of the story” or offering to “speed up the claims process.” However, what seems like a simple conversation can harm your case.
Why You Should Avoid Talking to the Other Driver’s Insurance
You are not legally required to speak to the other driver’s insurance company. In fact, doing so often puts you at a disadvantage. Key reasons to avoid direct communication include:
- They Are Not on Your Side
Insurance adjusters represent their company’s interests, not yours. Their goal is to reduce the amount of money paid out on each claim.
- Your Words Can Be Used Against You
Anything you say can later be used to dispute fault or question the extent of your injuries. Adjusters may record your call and quote you out of context if the case goes to court.
- You Might Accept a Settlement Too Early
Insurers often pressure claimants into quick settlements before the full extent of injuries or future medical costs are known. Once you accept, you usually cannot reopen the claim—even if your expenses increase.
- They May Ask for Unnecessary Access
Some adjusters request medical authorizations to “process your claim.” This can give them access to your entire medical history, which they might use to argue your injuries were pre-existing.
What You Should Do Instead
You can still cooperate with the claims process without risking your rights. Here’s how:
- Notify your own insurance company about the accident as soon as possible.
- Provide only basic details to the other driver’s insurer, such as your name, contact information, and insurance policy number.
- Do not discuss fault, injuries, or damages.
- Decline to provide a recorded statement until you have spoken with your lawyer.
- Direct further communication to your attorney.
Your lawyer can handle all communication with insurance companies, ensuring nothing is said that can weaken your claim.
When You Must Communicate with an Insurer
In limited circumstances, you may need to provide information to the other driver’s insurance—such as when your insurer requires cooperation for subrogation purposes. Even then, it is best to have your attorney present or to have them communicate on your behalf. If you do speak with an adjuster directly, keep your comments brief, factual, and polite. Never speculate about fault or injuries.
Why You Need a Car Accident Lawyer
A car accident attorney understands how insurance companies operate and knows how to protect you from their tactics. Your lawyer will:
- Communicate directly with insurers on your behalf
- Gather evidence to prove liability
- Calculate the full value of your damages
- Negotiate for fair compensation
- Take your case to trial if necessary
An attorney will ensure you are not misled during the claims process. Having skilled legal representation known to go to trial puts more pressure on the insurer to settle fairly.