Your auto insurance company is very interested in any accident that involves one of their insured vehicles. That means they will almost certainly interview you to get your side of the story following an accident.
What you tell your insurance company may affect the outcome of any subsequent litigation, the continuing terms of your auto coverage, or how much you receive to cover your accident costs.
If you want to protect your legal rights and ensure that you are fairly compensated, you should hire an experienced auto accident attorney like those at Pierce & Shows.
You should discuss your accident with your insurance company. Failure to notify your insurer of an auto accident in a timely manner may actually void your insurance policy. This could mean termination of coverage, refusal to represent you, or increased premiums.
In most cases, your insurance company will contact you to conduct an interview by phone. They may ask you if it is okay to record you; if you are uncomfortable being recorded, you may refuse politely.
However, if there are some extenuating circumstances to the case, your insurer may ask you to visit their office for an in-person interview. Remember: This is not an interrogation, but rather a meeting to lay out all of the facts of the case.
Just tell the facts as you remember them. Use notes or other documentation if necessary. Don’t guess or offer opinions.
Do not admit that the accident was your fault. You may not know all of the details of the accident, and any admission could be used against you in the future.
Common Interview Questions
While the circumstances of every auto accident are unique, the questions that your insurance company will probably ask have been asked countless times before.
Among the most common questions are:
- Where and when did the accident happen? You should write down all of the details of the accident as soon as you are able, so that you can provide this information to your insurance company.
- Who was involved in the auto accident? While you are at the scene of the accident, you should collect as much identifying information as possible from the other driver, passengers in either car, witnesses, and owners of damaged property. Under Louisiana law, the other driver must provide you with, at the very least, their name, address, driver’s license, and insurer information.
- How did the accident happen? Recount the details of the accident as best as you can. Stick to the facts and avoid any unnecessary commentary.
- Who caused the accident? Avoid admitting fault for the accident. If you are unsure how to answer, just say “I don’t know.”
- Did the police file a report? If possible, ask the police to come to your assistance immediately after the accident so that they can file an accident report. Although police may refuse if there is minimal property damage or no injuries, getting the circumstances of the accident on the official record is usually helpful.
- Did you suffer any injuries? Even if you don’t feel injured, you should always receive medical care after an auto accident. You may not feel any pain in the immediate aftermath of an accident due to adrenaline.
Protect Yourself with Pierce & Shows
Don’t walk into an interview with your insurer and give away the bank because you didn’t know better. Hire Pierce & Shows to help you prepare for your interview, guide you through this complex process, and protect your interests.