What are your Obligations to the Insurance Company After an Accident

What are your Obligations to the Insurance Company After an Accident

I’m going to share something with you.  Prior to being a plaintiff’s attorney for the last 24 years, I used to represent the insurance companies and their insureds. One of the tactics we would use was to take people’s statements that they had given to the insurance company and use their words against them.  Do you have an obligation to give the insurance company a statement?  Only your own. The other party’s company does not have a right to take your statement and I recommend you do not give them one.

However, your company, you have a contractual obligation under your policy of insurance to give them a statement. But with that said, keep it brief. You don’t need to get wordy or go into detail.  Why?  Because they’re going to use it against you.  They’re going to tape that statement and those words can come back to haunt you.  They will hang you with it. So what you do is you be brief, very simple answers. If you’re in a rear-end accident, you just tell them, “I was rear-ended.” If a specific area of your body was injured and it was in the neck region, just say, “My neck.” or “My back.”

And if you need guidance, understand you have the right to have councel present. So we will gladly guide you through the process.  Contact my office. I’m Chuck Philips and I practice in New Port Richey.