Following a car accident, you may receive a phone call, e-mail or another communique from a representative of the other driver’s insurance company. Before responding to any correspondence, however, you should know when it is appropriate to talk to an insurance company after a car wreck. 

Ordinarily, insurance companies make money by paying as little as possible for claims. If you admit fault or otherwise harm your legal standing, you may receive less than you deserve for your injuries and property damage. Accordingly, before talking to any insurance professional, you may want to speak with an experienced attorney. 

The other driver refuses to speak to you

You have no general legal obligation to talk to the other driver’s insurance adjuster. If the other driver refuses to speak to you, your insurer or your attorney, though, you may need to have your lawyer reach out to the insurance company. After all, the other driver may be stalling, intentionally causing a delay of your insurance settlement. 

The other driver has given false information

On the other hand, an at-fault driver may be lying to you or his or her insurance provider. If you have evidence that the other driver is misstating material facts, you can likely assume he or she is not being straightforward with the insurance company. Asking your lawyer to contact the deceptive driver’s insurer may help you correct the record. 

You simply cannot stand idly by while an at-fault motorist stalls or lies. If the other driver is engaging in these behaviors, contacting the insurance company may be in your legal interests.