The Other Party's Insurance Company

Q: Should I talk to the other party's insurer after an accident? 

A: NO! The at-fault driver's insurance adjuster is not your friend.

Believe it or not, they actually take classes to take recorded statements and try to turn your words against you.

In other words, the main purpose of the recorded statement is to find some fault, however slim, to diminish the amount of your claim. You should be polite, take the adjuster's name, claim number, and telephone number and tell them nicely that you don’t want to make a statement now until you consult with your attorney. 

Then give me a call. I will usually negotiate with the other insurance company. If they allow me to take a statement of their driver, I will let your statement be taken. This type of exchange can be beneficial.

In contrast with the above, everyone in an accident has an obligation to cooperate with their own insurance company. If your own insurance company wants to take your statement, you must allow it, although I suggest that you have your lawyer on a conference call to make sure everything is accurate.