No, you don't have to. In fact, you should refuse to talk to an insurance adjuster at the accident scene.
After you have been in an auto accident, you have a lot going through your mind. From the injuries incurred, the damage to your vehicle, and the questioning of everyone around you, your head may be spinning. One thing you may be uncertain of is still what exactly happened. You may not be sure who is at fault, and you most likely do not know the extent of injuries and damage. For this reason, you should never speak to an insurance company representative at the scene of an accident.
Here is a list of the people you should speak to instead:
- The other passengers in your vehicle. You should always take your passengers into consideration and ensure that they are not injured. Often, passengers may be in a state of shock after an accident — just like you are. They may not be able to evaluate their injuries immediately after the collision. Keep in close contact with your passengers as you wait for help to arrive.
- The police. Once the police arrive, it is important to cooperate as they take down the information they need to make their report. For some drivers, it is tempting to be dishonest about what occurred to try to get a better settlement. However, this can have devastating effects in the long term and is not in your best interest. Tell the truth. Do not admit responsibility.
- A personal injury attorney. Your attorney should be one of your first phone calls. This is because once you have a lawyer involved you will have experts representing you with the insurance companies. The earlier you can get in touch with an attorney, the better your chances are at winning a fair settlement.
An accident can shake you up and leave a mess in its wake. Call us today at 816-842-7100 to speak with an attorney that will fight to get you the compensation you deserve. Or you can click here to email us and schedule your free consultation. We take all cases on a contingency basis, which means that we don’t get paid unless we win the case for you.