5 Questions the Insurance Company May Ask You After a Car Accident
After being involved in a Kentucky car accident because of the negligence of another party, you can expect the at-fault party’s insurance company to contact you soon after the accident. Despite what the negligent party’s insurance company might tell you, you are not under any legal obligation to provide information or answer questions before hiring an attorney. In fact, it is highly advisable that you avoid speaking with the insurance company before hiring a lawyer.
Below are some of the questions the insurance adjuster from the at-fault party’s insurance company might ask you.
- What were you doing during the moments leading to your accident?
The first question that insurance companies usually ask car accident victims is, “What were you doing before the accident?” The insurance company may ask you this question to determine if you were distracted driving. The insurance adjuster wants to find out if you were using your phone while driving, eating or drinking while driving, or otherwise distracted. If you say something that indicates you were distracted driving, the insurance company could reduce the compensation you recover.
- Where were you coming from, and where were you headed?
The at-fault party’s insurance company may want to know where you had been and what your destination was. The insurance company may ask you this question to determine if you were intoxicated. If, for instance, you say you were coming from a party or bar, the insurance company may conclude you were drunk driving.
The insurance company may also ask you this question to determine if you were speeding. If you were rushing to get somewhere, the insurance company might accuse you of speeding. Generally, the purpose of this question is so the insurance company can find something they can use to place blame on you for your accident.
- How did your accident happen?
You can be sure that the insurance company will ask you to explain what happened during your accident. The insurance adjuster may even ask you to repeat your explanation several times. They will do this to find discrepancies with your story that they can use to place blame on you for your accident.
You should share your version of events with your attorney and agree with your attorney on what you should tell the insurance company.
- Do you have a pre-existing condition?
If the insurance company can prove you were already injured before your accident, they may use this to reduce your compensation. It is best to let your attorney handle such issues. If you have a pre-existing injury, your lawyer can ensure you recover the compensation you deserve by showing the insurance company that their insured aggravated your pre-existing injury.
- Who was in your vehicle with you?
The insurance company may ask you to share the contact information of those who were in your car at the time of the crash. Do not share any information with the insurance company before sharing it with your attorney.
Contact a London Car Accident Attorney
If you’ve been in a Kentucky car accident, our London car accident attorneys at Cessna & George Law Firm can help you deal with the at-fault party’s insurance company. Contact us today to schedule a consultation.