Skip to main content

Accident Lawyers San Diego: What to Tell Your Insurance Company After an Accident
September 29, 2022 at 7:00 AM

After an accident, you have a long list of things you will need to do. One of these tasks includes letting your car insurance company know that you were in an accident. Your insurer may require you to provide a statement, sign a medical release, or submit a medical exam. You have the right to hire an accident attorney in San Diego before you give your insurance company a statement about your accident or sign any paperwork.

An accident lawyer can advise you on how to talk to your insurance company after a car accident. We’ll explain what you should and shouldn’t tell your insurance company after an accident.

What you say can put your case at risk

If you were in a recent accident in San Diego, consider hiring an attorney before you give a statement to your insurance company. That’s because even if you do not file a claim with your insurance company, your statement could still carry risks like:

  • Your insurance company might share your statement with the other driver’s insurance company.
  • The other driver’s insurance company may take your words out of context or use your statement to reduce your settlement or deny your claim.
  • You may have to file a claim with your insurance company eventually, and your statement could hurt your claim.

Before you share your medical records, agree to a medical exam, or give a statement, explore your legal options to ensure you’re protected.

What you shouldn’t tell your insurance company

When you speak with your insurance company, it’s okay to provide basic information. But talking about specific details could put you and your case at risk. Some topics to avoid include:

  • What happened to cause the accident
  • Who caused the accident
  • What you did before the accident
  • Any injuries you may have
  • If you believe you do not have injuries
  • Any other detail of the accident, your injuries, or other damages

What information can you give your insurance company?

You may end up in a situation where you have to report your accident before you hire a lawyer. If this happens, you should know what information to provide and what to withhold.

You can give them general information about the accident, including:

  • Your name
  • The names of others involved in the crash
  • The date and time of the accident
  • The accident’s location
  • The insurance company of the other driver
  • The make and model of cars involved

You must only state the facts and do not provide any speculation. Avoid discussion of who’s at fault or any injuries at all costs.

If your insurer directly asks you what happened, you can tell them you would prefer to give a written statement. You can also decline their request for additional information until after you have obtained a lawyer.

Reach out to Baric Law if you need an accident lawyer in San Diego.

At Baric Law, we are the premier trial firm in Southern California. Our passion is expediting and delivering justice to the clients we have the privilege of serving. With years of experience and expertise, we provide unparalleled, personalized, attentive, and communicative representation for our clients from start to finish. No matter how daunting or overwhelming your situation is, we can overcome it and reclaim your reputation and peace of mind together so you can move on with your life.

Contact us today to see if we can help you with your case.

Let's connect
We want to hear from you—reach out anytime.