My Father is in the Hospital After a Serious Car Accident and the Insurance Company Keeps Calling Him and Sending Forms. Does He Have to Talk to Them?

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Don't Talk to the Insurance Company When You're Recovering From a Serious Car Accident.

Unfortunately, we see this all the time.  After a serious car accident, especially when you or someone in your family is in the hopital or recovering from surgery, the other driver's insurance company wants you to give an interview or recorded statement, or fill out some forms, or provide authorization for your medical information.

Don't. Here's why:

The Insurance Company Will Use a Recorded Statement Against You.

Remember, their job is to deny or limit the amount they pay in damages.  In a serious car accident, they want to do that - and they know if they get started right away, before you have an experienced attorney working for you, they have an advantage.

There is absolutely no requirement that you speak with the insurance company.  What if you make a mistake or can't remember something because of your pain, medications you are on, or symptoms you are experieincing since the accident?

What if you're distracted by nurses and doctors coming in and out of your room and you forget to add a detail to how the accident happened?  Or you forget to mention all of your injuries?  Will they try to make it look like you were lying or hiding something?

What Will the Insurance Company Tell You to Get You to Talk to Them?

Remember, insurance claims adjusters and investigators for all of the major car accident insurance companies in the DC area - USAA, Geico, Travelers, Liberty Mutual and others - are experienced.  They have handled hundreds, if not thousands, of car accident claims for the insurance company.

Who do you think has the advantage?

They may tell you that they need this information, or that if they don't get it by a certain date, they will "close" your claim.  That sounds serious but it means absolutely nothing.  That is just an internal term - in our car accident cases, we've had people come to us, worried about high medical bills and the effect of permanent injuries from an accident, who have had their claim "closed" but the insurance company.

Once our accident lawyers got involved, the insurance company opened the claim the next day.

The point is - you control this process (that's one of many things we do for the people we work with, our clients don't have to worry about this), not the insurance company.  

As long as you are within the statute of limitations for filing a lawsuit against the other driver, you are ok. But don't take this to mean you should wait until the statute of limitations is about to expire before contacting the insurance company or trying to get an experienced attorney - the best lawyers won't take cases that are close to the statute of limitations.  We won't be able to help.

Get The Best Lawyer For Your Accident Case in the DMV.

Remember, this is a process.  We want to be able to help you through every phase without having to worry about the insurance company or your case - we handle all of that so you can focus on your recovery and on getting better.

We can only help people with very serious injuries - that is who we focus on.

If you or someone in your family was hospitalized after an accident caused by another driver, call us today at (202) 393 - 3320 and talk to us before you talk to the insurance company (or sign any of their forms). 

We'll get you started by talking with you and getting you all the information you need to make the best decision on your car accident case and how to take care of yourself and your family.   

Frank R. Kearney, Attorney-at-Law
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Experienced DC Workers' Comp, Long Term Disability & Accident Lawyer