Do I have to respond to other insurance company?
Asked by: Natasha Heidenreich | Last update: April 17, 2025Score: 4.4/5 (27 votes)
Do I have to answer the other insurance company?
You are not legally required to speak with the other driver's insurance company or give a recorded statement. They often employ tactics to use your statements against you, potentially minimizing your payout. You should report the accident to your own insurance company.
Do I have to talk to someone else's insurance?
If you get into a car accident, you are under no obligation to call another driver's insurance company to work out the claim. All you need to do is talk to your insurance provider when you get into an accident or if someone else hits your car, and they will handle the claim on your behalf.
What happens if you don't answer insurance calls?
If the other driver never calls their insurance company back to answer their questions about the accident, many insurance companies will eventually deny insurance coverage. This turns your insurance claim into an Uninsured Motorist Claim.
What to do when another insurance company calls you?
Get all of their information, including the adjuster's name as well as phone number, and any other details. Be sure to ask about anyone else who may be monitoring the call. You can refuse to have your information recorded. If they ask if they can record the call, tell them no.
10 Great Questions Insurance Adjusters Don't Want You To Ask
Do I have to talk to the other insurance company after a car accident on Reddit?
You have no legal obligation to speak with the other party's insurance. If you get sued, turn it over to your insurance company.
What if you don't agree with your insurance adjuster?
Dispute the Decision and File a Complaint
Many policies allow you to request arbitration through the insurance company. You'll present evidence to an independent adjuster, who then makes a binding settlement determination. You can also file a complaint with your state department of insurance.
What do I do if my insurance company doesn't respond?
Report the Insurance Company to Your State Department of Insurance. If you are having a challenging time getting results from your insurance provider, you can file a complaint with the state department of insurance in Florida, Louisiana, Mississippi, California, or Puerto Rico.
Do insurance companies record every call?
The insurance adjuster will most likely ask you for permission to record your conversation. There are two things to keep in mind about this: It is generally standard operating procedure for companies to record every phone call. Limit what you say and only answer questions directly.
Why does the insurance adjuster want to meet with me?
After you file a claim, the adjuster will contact you about the accident. They are looking for facts about the case to determine whether you are entitled to a settlement and for what amount.
Why does the other insurance company keep calling me?
Why does insurance keep calling me? The insurance company keeps calling you because they want to gather information that could help them shift the blame for the accident and reduce the compensation they have to pay you. Be cautious when speaking with them.
What happens if an at-fault driver doesn't respond?
Because California's insurance coverage is based on a “fault” system, the individual responsible for the accident can be sued for property damage, medical bills and other related expenses.
What happens if I don't call my insurance after an accident?
There is no California law per se about notifying your insurance company after a collision, but your auto insurance policy is a contract. When you signed it, you agreed to the stipulations in the contract, which will almost certainly include the requirement to notify the insurance company promptly after an accident.
Should I talk to the other person's insurance company?
You are not legally obligated to speak with the other insurance company's representative or provide them with any information. Politely decline to discuss the specifics of the accident or your injuries and inform them that any necessary information will be provided through your car accident lawyer.
Do I have to cooperate with insurance company?
A majority of insurance policies require the insured to cooperate with the insurer. The cooperation clause generally states, “the insured agrees to Cooperate with us in the investigation, settlement or defense of the suit.”
Do you have to respond to an insurance claim?
If you have insurance, your policy will require you to cooperate with interested parties when a claim is made. By not responding, you are breaking the terms of your policy. Things become more complicated than they need to be.
Can an insurance company ignore your calls?
Ignoring your calls and being unresponsive are common tactics insurance companies use to get the upper hand and minimize payouts for claims. Here's why: Insurance companies make money by not paying claims. If they can ignore you and pay you less, it means more profits in their pockets, helping their bottom line.
Do insurance companies track you?
Most major car insurance companies today offer programs for the purpose of tracking your driving. However, such programs are completely voluntary. Your insurance company can't track your vehicle unless you agree. Let's say you opted into such a program, but you want to drop out.
How often do insurance companies do surveillance?
Insurance companies typically use surveillance during the daytime when claimants conduct business and do their daily routines. Surveillance is likely to occur in three-day blocks over an extended period of time.
What happens if you don't answer insurance?
This could result in you paying higher amounts than if you had addressed the claim promptly. Not responding to a claim can be seen as a breach of your insurance contract. This can lead to legal actions against you.
Can you sue an insurance company for not responding?
Seeking Legal Advice
A lawyer specializing in insurance law can guide you through your options and help you decide on your next steps. Yes, it is possible to sue an insurance company if they are taking too long to settle a claim, as this could be considered bad faith.
How do I fight back against insurance companies?
- Internal appeal: If your claim is denied or your health insurance coverage canceled, you have the right to an internal appeal. ...
- External review: You have the right to take your appeal to an independent third party for review.
Do you have to talk to the other insurance adjuster?
Are You Required to Speak to the Other Driver's Insurance Company. First and foremost the answer to that is, no. Legally, there is no requirement for you to speak with the other driver's insurance company. You do likely have to talk to your own insurance company as they will need your account of what happened.
Can you ask for more money when your car is totaled?
In some cases, you may get more insurance money for a totaled car than for repairs. In addition, it is possible to negotiate a higher settlement by providing evidence that your car was worth more than the insurance company's initial valuation.
What should you not say in a claim?
- “I'm sorry.”
- “It was all/partly my fault.”
- “I did not see the other person/driver.”