You have just been in a car crash. Your heart is racing, your car may be damaged and before you have had time to catch your breath, the phone rings. It is the other driver’s insurance company. What should you do?
Before answering any questions, take a moment to care for yourself. Your health is the top priority. Even if you feel okay, it is still a good idea to see a doctor right away. Some injuries do not show up immediately, such as whiplash or internal damage.
Why the timing matters
Insurance companies look for ways to reduce or deny claims. If you talk to them before seeing a doctor, they might use your words against you. For example, if you say you are fine or do not feel hurt, the insurance company may later argue that you did not suffer any injuries. This can hurt your case, even if symptoms show up later. In Louisiana, getting prompt medical care also helps create a clear record of your injuries, which is key in any personal injury case.
What to do if they call
The law does not require you to give a recorded statement right away. It is usually better to wait. You can inform your own insurance provider that you are receiving medical treatment and will respond later. You can also refer them to your lawyer. If you do not have one yet, this may be the time to consider it.
Protect your legal rights
Louisiana law lets you seek compensation if someone else’s actions caused your injuries. This may include money for medical bills, missed work and pain. However, the insurance company does not work for you. They want to pay as little as possible. Speaking too soon, without medical facts, can cost you.
Take the right first steps
Always seek medical care before contacting insurance companies. It protects your health and your rights. If you are unsure what to say or feel pressured, it may help to speak with an attorney. They can help you understand your options and avoid saying something that could hurt your claim. Getting the right guidance early can prevent mistakes that could affect your claim later.