Especially since the other driver has a lawyer, it seems like he might be planning to pursue more damages than the insurance company is willing to pay. Your lawyer can help in several ways. Depending on what state you live in, it could be possible that liability is split between your husband and the other driver.
When in doubt, we recommend contacting a car accident attorney near you to find out if that’s normal and protect your legal rights. Most law firms offer a free first consultation, so there’s nothing to lose. Reply Angelsays December 11, 2018 at 11:29 am
Short answer: you don’t. Many experts would advise you against speaking with the other person’s insurance company. While you do need to call your own car insurance company to report the accident, you are under no obligation to talk to the other driver’s insurance carrier.
If you’re having trouble sorting the claim with the insurance company, you should call a personal injury lawyer. Your lawyer will be a trained negotiator who’s not only familiar with the law, but also with insurance policies and what should be covered.
Knowing what kind of coverages you have is important. Bring copies of your insurance policies, even if you are not the driver responsible for the accident.
If you know about an injury, your lawyer should know too. It's vital your lawyer knows everything. It is almost more important for your lawyer to be aware of something related to your body than it is for your doctor to be aware. Well, maybe equally as important.
What? Your opinion matters, and don't let any accident lawyer tell you differently. No, it's not a "medical" opinion but it's valid nonetheless. If you feel as though some pain, injury, or condition is not healing and you fear permanency, you should explore it with your doctor and keep your lawyer in the loop.
When you do speak to anyoneabout the accident, note the details of your conversation in your post-accident journal(link opens printable PDF form).
The best way to deal with the other insurance carrier in most serious car accidents is to consult with a personal injury attorney. He or she will deal with them.
By talking to the insurance adjuster for the other driver, there is a good chance that you are mucking up your own case. That insurance company will try to use whatever you say against you later in the claim, whether it was your fault or not.
If you have a minor car accident, the other driver is 100% at fault and it is clear, you might talk to the other adjuster to get the matter settled fast. You might consider doing so if the police report states the other driver caused the wreck. If the other driver was cited by the police – even better.
Insurance companies always have a financial interest in protecting the interests of their client. And of course, they have an interest in protecting their own financial interests. They represent both interests by doing two things as much as they can: 1 Denying the maximum number of car accident claims outright. 2 Negotiating the lowest possible settlement possible on other car accident claims.
How you pursue a settlement through insurance depends on what state you’re in; different states have different laws with respect to how insurance treats an accident based on who’s at fault. It’s hard to say whether insurance is your best strategy without knowing all the facts, but a lawyer can advise you.
Enjuris tip:If you feel you were mistreated by an insurance adjuster, you should report it to your state’s department of insurance. Find your state’s insurance department at the National Association of Insurance Commissioners.