Why is the other insurance company calling me?

Asked by: Dr. Moriah Leffler III  |  Last update: February 11, 2022
Score: 4.3/5 (5 votes)

One of the most common reasons that insurance companies may contact you after an accident is to obtain information to use against you. Insurance adjusters may be able to use information against you by using the following tactics: Getting you to admit fault for the accident.

Why would another insurance company call me?

One of the main reasons the other driver's insurance company calls you is to try to trick you into providing evidence that the accident was your fault, that any injuries you may have suffered were minor or that you did not have any injuries at all.

Do insurance companies contact each other?

Insurance companies don't contact one another to discuss an individual's motor vehicle records and insurance claims history in order to determine their rates for coverage. ... Rather, virtually every insurance company “subscribes” to a service and purchase reports one at a time for underwriting and pricing purposes.

Should you give a statement to the other insurance company?

You are under no obligation to provide the other driver's insurance company with a statement. You should not give a recorded statement about a car accident without discussing it with an attorney.

Do you have to talk to the other person's insurance?

It is always best to let your insurance company handle all matters directly with the other insurance company involved in an accident claim. You are not required to discuss any details of the claim with the other insurance company. This is especially important when there are personal injury claims.

Why is the other insurance company calling me?

19 related questions found

What happens if insurance company Cannot contact other driver?

If you don't know the other person's insurance company and have no way of contacting the at-fault driver, get a “declarations page” from your insurance company to see the extent of your coverage. In the very least, you may find that your coverage will be enough to fix all of your damages and pay any medical bills.

Should I contact my insurance company if I am at fault?

Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage.

What should you not say to an insurance company?

9 Things Not to Say to Your Insurer After an Accident
  • It was my fault. This may be common knowledge for many, but it's worth reiterating that you should never admit fault. ...
  • I think. ...
  • I'm fine. ...
  • Names. ...
  • Recorded statements. ...
  • Unnecessary details. ...
  • I don't have an attorney. ...
  • I accept.

How do insurance companies decide who is at fault?

If the police do not decide who is at fault, or the insurance company disagrees, your insurance adjuster will investigate the accident and use the details to determine fault. The insurance company will use photos, maps, witness statements, medical records, and special algorithms to calculate fault.

What should you not say in a recorded statement for insurance?

Many claims adjusters use recorded statements to try and trip-up claimants, getting them to say things that will hurt their claim. Never give a recorded statement or answer any questions from the insurance company if you are upset, confused, taking medication, lacking sleep, or in severe pain.

What are third party claims?

When you file an insurance claim with another driver's insurance company, it's called a third-party claim. You're referred to as the third party because you're filing the claim with an insurer you may not have a policy with (but the at-fault driver does).

What do insurance companies know about you?

Insurance companies will ask for personal information such as your Social Security number and birth date to confirm your identity. They may also want to know what your salary is because they might limit how much insurance you can get based on your annual earnings. It's important to answer questions honestly.

Will my insurance company fight for me?

If you make a claim with your insurer, it likely will choose to fight the other insurance company for compensation if it finds that the other driver is at fault. If you decide to fight the at-fault driver's insurer on your own you'll need a lawyer — especially if you've been seriously injured.

Why would an insurance adjuster call me?

The insurance adjuster wants to get as much information out of you as possible in regard to your medical history. The insurance adjuster also wants to find out if you have been involved in any other accidents and injury claim.

Why would a claims adjuster call me?

The Insurance Company Might Contact You

The insurance adjuster will want to confirm the basic facts, like when and where the crash happened, the weather, and traffic. They'll want to hear your version of events, too. Their reasons aren't exactly nefarious, but they aren't in your best interests either.

Can insurance company come after you?

If you rear ended someone you are the responsible party for the person you hit regardless of whether you were ticketed of not. They have every right to come after you. ... If someone hit you then you have a claim against them if there was any property damage or injury as result to someone rear ending you.

Do police determine fault?

Fault in Auto Accidents. ... The police report, while valuable in the assignment of liability, does not ultimately determine who bears the fault for the accident. Your insurance company may look at the police report and other evidence they deem relevant and assign fault.

How do you tell who hit who in a car accident?

The police report may list their names, but you can also try to collect their contact information at the accident scene. Eyewitness accounts can prove valuable in piecing together who-hit-who in a car accident. The sooner you speak with a witness and record their recollections the better, because memories can fade.

How long does an insurance company have to determine fault?

How long does an insurance company have to determine fault? California law gives insurance companies 40 days to investigate a claim. If the company needs more time, it must notify you every 30 days. Once a determination is reached and agreed to, payment must be issued within 30 days as well.

Do insurance adjusters lie?

Can Insurance Adjusters Lie to You? Yes, insurance adjusters are allowed to lie to you. In fact, many are even encouraged to do so. An adjuster might tell you that their driver is not liable for the accident when they know that they are.

What do I say when I call my insurance company after an accident?

Give Only Limited Personal Information

You need only tell the insurance adjuster your full name, address, and telephone number. You can also tell them what type of work you do and where you are employed. But at this point you need not explain or discuss anything else about your work, your schedule, or your income.

What does claim adjuster do?

Claims adjusters inspect property damage to determine how much the company should pay for the loss. Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim and if so, how much.

Should you always call the police after a car accident?

Car Accidents Law in California

In California, the law mandates that all drivers involved in an accident must stop, no matter how minor the accident was. Drivers must stop even in a slight fender bender that doesn't seem to have caused much damage. ... If the accident caused a death or injury, you must call the police.

Do other insurance companies know about accidents?

If there is a police report for your accident, the DMV will find out about it, but insurance companies do not know about accidents until you file a claim. However, your insurance company does exchange information with the DMV when it relates to SR-22 filings.

Can you sue the other person's insurance company?

A lawsuit filed in relation to your crash will generally be filed against the at-fault party. In other words, you do not sue the other driver's insurance company. ... The reason that you typically cannot sue the other driver's insurance company directly is that the insurer has no legal obligation to you.