Statistically speaking, the odds are favorable that you will be involved in at last one motor vehicle accident at some point in your life. If your time has come, and it is the first accident you have ever been in, you are likely unsure what you should and should not do following the accident. For example, an insurance adjuster for the other party’s insurance carrier will likely try to contact you shortly after the accident, leaving you to wonder “Do I have to give a statement to the adjuster?” Not only are you not required to give a statement, but it is not in your best interest to do so until you have consulted with an attorney.
Although every collision is unique, the procedures that follow a motor vehicle accident typically follow the same basic steps. The parties involved in the collision exchange names, contact information, and liability insurance carrier information right after the accident. Each party then contacts their own insurance company and makes a report. The insurance companies then typically try and contact the other parties involved in the collision to get a statement. When the insurance adjuster calls you he/she will usually try to make it sound as though it is just standard procedure to get your statement. The adjuster may say things such as “We just want to get a statement for the record so we can determine liability” or “We just need to get your statement so we can get the claim moving along.” Although they will usually inform you that the conversation is being recorded, they often slip that important fact in very discreetly so that you think it is no big deal. All of this, however, is aimed at getting you to provide them with something that can be used to relieve them of liability.
Keep in mind that insurance companies are in business to make a profit. They don’t make a profit if they pay out a claim. While some insurance companies are very good at accepting responsibility when an insured is at fault, others are not. Because you have no way of knowing who you are dealing with, you should never agree to give a statement until you have consulted with an attorney. All too often, something a victim says gets twisted around, misinterpreted, or is recounted incorrectly, resulting in a denial of the claim.
Ultimately, you may need to give a recorded statement about the accident; however, you should only agree to so that after you have consulted with an experienced Louisiana personal injury accident attorney and discussed the statement.
If you have recently been involved in a motor vehicle accident in Louisiana and you have questions or concerns, contact the Louisiana personal injury attorneys at Broussard & Hart, LLC by calling 337-439-2450 to schedule your appointment today.