What to Do When the At-Fault Insurance Company Calls After a Car Wreck

handling at fault insurance calls

Car wrecks are a common occurrence, and unfortunately, many are not caused by our actions. When you are involved in an accident due to someone else’s fault, it can be a confusing and stressful experience.

After the wreck, you may receive a call from the at-fault insurance company asking you questions. It’s important to know how to handle these calls, as anything you say can be used against you later on. In this article, we will discuss tips for when the at-fault insurance company calls you after a car wreck.

If you’ve been hurt in a car wreck, a Colorado Springs car accident lawyer from Springs Law Group can help you.

Call us today to schedule your free consultation.

Pause and Take Control of the Situation

The first thing you should do when the at-fault insurance company calls you is to pause and take control of the situation. The adjuster will try to get as much information out of you as possible, so they can either not pay you or use the information against you later down the road.

Don’t feel obligated to give any information out right away. You have the right to take your time and gather your thoughts.

Don’t Fall for Arbitrary or False Deadlines

The at-fault insurance company may try to impose arbitrary or false deadlines on you. These deadlines may not be a reality in your state.

It’s important to remember that the statute of limitations for filing a lawsuit after a car wreck in Colorado is three years. This is your primary deadline, so don’t feel pressured by the insurance adjuster’s deadlines.

Ask Questions and Get Answers

When the adjuster calls you, slow down and ask questions. If they can answer your questions, great. If not, ask to speak to one of their managers. It’s important to get clarity and more information.

Remember, the adjuster is not on your side. They are trying to save the insurance company money. So, it’s important to gather as much information as possible.

Consult With a Personal Injury Lawyer

As a personal injury law firm, we highly recommend contacting a lawyer if the at-fault insurance company contacts you. Talking to a personal injury attorney can help you understand your rights and how to approach the situation.

You can ask them questions like:

  • What should I say?
  • How should I approach this?
  • Should I answer anything?

There’s no need to give any information to the at-fault insurance company at the beginning because not much has happened since the accident. You’re still injured, and you don’t know the extent of your injuries yet. It’s better to wait until you have all the information before speaking to the insurance company.

Additionally, if you work with a car accident attorney, they can communicate with the insurance company on your behalf. They’ll handle the hard conversations, so you don’t have to.

Slow Down and Get Everything in Writing

Filing a personal injury claim after an accident can be an emotional time for you.

Unfortunately, the adjuster may use those emotions against you to get answers that aren’t totally accurate or realistic. In other words, the adjuster will use what you say to reduce or deny your claim.

So, it’s important to slow down, get answers to your questions, and get everything in writing. This will help protect you later on if there is any dispute about what was said.

Contact a Car Accident Lawyer Today

If the at-fault insurance company contacts you after a car wreck, remember to pause and take control of the situation. Don’t fall for arbitrary or false deadlines, ask questions, and consult with a personal injury lawyer.

It’s better to wait until you have all the information before speaking to the insurance company. Slow down, get answers to your questions, and get everything in writing.

Following these tips will help protect your rights and ensure that you receive the compensation you deserve. If you have any questions, feel free to contact us at Springs Law Group in Colorado Springs.

Call us today to schedule a free consultation.


Author Bio


Christopher Nicolaysen is a Founding Member of Springs Law Group, a Colorado Springs personal injury law firm. With almost a decade of experience in personal injury cases, he represents clients in a wide range of civil matters, including car accidents, motorcycle accidents, trucking accidents, slip and fall accidents, and other personal injury matters.

Chris received his Juris Doctor from the University of Denver — Sturm College of Law and is a member of the Colorado Bar Association.

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