As a business owner, keeping informed about the finer points of employment law is important. If you're getting ready to hire your first employees, you need to be sure that you understand exactly what you can and cannot do. Don't risk getting yourself into legal trouble by asking the wrong question at the interview or making an off-hand comment that's considered legally unacceptable. I created this site to give you the basics of employment law expectations. I hope that the information here helps you to understand what you should and shouldn't do as you're interviewing and hiring your first staff members.
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Have Insurance Agents Contacted You After A Vehicle Crash? Here's What You Must Not Discuss
Irene Robertson
Several people may contact you after a vehicular crash to ask for details of the incident and other related information. For instance, the wrongdoer's insurance provider will likely call you a few days after the crash. During the ensuing conversation, they might act concerned for your health and the corresponding financial requirements. However, their main agenda may be to gather the information they can use to weaken your claim. Therefore, you should only speak to them after consulting an attorney. Your legal advisor will caution you against sharing the following with an insurance agent:
Your Opinion Regarding the Collision
It is not advisable to give the insurance representative your opinion of how the collision happened and who the wrongdoer was. This is especially so if you could have made a mistake that contributed to the crash. In case you say something that indicates you were even partly at fault, the insurance company may shift all the blame onto you. This can cause you to fail in getting some or all the payments you deserve. Therefore, when the insurance agent asks you about the collision, only tell them where the incident happened and the type of accident. You may also share information about the type of vehicles and parties involved and the people who witnessed the collision.
If the insurance representatives require additional information, they will dispatch a team of investigators to look into the crash and obtain information from the involved parties. Your lawyer, too, will investigate the crash and gather evidence to show that you were not a culprit in the accident. This will help establish that the offender's insurer should take full responsibility for your losses.
Details Regarding the Injuries You've Suffered
The insurance agent might also ask you whether you suffered injuries in the collision and how severe they are. Don't discuss your condition in detail when they do this because some symptoms might reveal afterward. So, if you tell them that you're fine, the insurance representative can dispute the cause of injuries you may notice after you've given them your statement. To deal with this issue, inform the agent that you received medical care right after the crash and are still under treatment. Then, get a comprehensive medical check-up and give your lawyer the medical reports. The documents will be useful in case the insurance company disputes the cause or seriousness of the harm you suffered.
If the wrongdoer's insurer contacts you after a vehicular crash, don't share any of the information above with them. They can use your statement to weaken your case and reduce your payment if you do. An effective way to avoid sharing incriminating information is to contact a car accident lawyer before speaking with the insurance company representative.
Consult a car accident lawyer for some more advice.
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