These Are Instructions for Calling Your Accident Into Your Own Insurance Company (This is not about calling the insurance company of the person who caused the accident)
In order to make a claim, it is necessary for your insurance company to be called in order to report the case. This is also a requirement for any PIP or Med-Pay Benefits.
(If you have no insurance, call the insurance company of the vehicle you were in.)
When You Call Your Insurance Company, There are only 3 Things to Tell the Insurance Company
- A very brief summary of how the accident happened; and
- That you were hurt (if this applies); and
- That any further information will have to come through your lawyer.
Do NOT go into any further detail about your injury.
Do NOT give a recorded statement.
Do NOT Answer Other Questions.
They might ask the following questions:
- What are your injuries?
- Have you ever been in an accident before?
- What doctors are you are seeing?
DO NOT ANSWER ANY OF THESE QUESTIONS!
Tell them that your lawyer will give them all of this information.
When You Call Your Insurance Company, Ask If You Have Any PIP or Med-Pay Benefits That Are Available.
- If they say yes, then ask for a claim number
DO NOT GIVE A RECORDED STATEMENT.
- If they ask you for a recorded statement, tell them you will not agree to that.
- If they insist, then get off the phone.
BRIEF EXAMPLE OF WHAT TO SAY WHEN YOU CALL YOUR CLAIM IN TO THE INSURANCE COMPANY WHICH INSURES THE VEHICLE THAT YOU WERE IN
- “My name is (give them your name). I was in an automobile accident on (give them the date).
- “I am represented by attorney Bruce A. Blaylock and his phone number is 301.951.1800.
- “They have advised me to call this claim in to you. However, I am only going to discuss how this accident happened. I am not going to discuss any issues relating to my injuries so please do not ask any health related questions. Also, please do not record this conversation.
- “Any additional information will come from my attorney Bruce A. Blaylock.
- “After we are through talking, I would like you to give me a claim number. Then I would like you to call my attorney Bruce A. Blaylock.
- “Also, can you please tell me if I have any PIP or Med-Pay coverage and if so, what is the claim number for that claim?
- “May I now give you a very brief summary of what happened?”.