Car Insurance Query

[Anonymous]

I was recently involved in a minor car collision with another motorist.

After the accident we both dutifully exchanged car insurance info.

The other party’s car insurance is calling me, asking for a recorded statement from me as well as any photos I may have taken shortly afterward.

My Father is discouraging me from speaking with the other motorist’s insurance company - he is telling me that I am in no way obligated to speak to anyone from there.

He told me that if they want/need any info > then they are to call my own insurance company as that is what the insurance companies are supposed to do.
He believes if I speak to the other motorist’s insurance personally then I will jeopardize my case.

Is this true?
They have already called me 3x.

TIA for your advice on this.

[Anonymous]

+1 for your Dad. You should work through your insurance …no matter whose fault it was.

[Anonymous]

That is fishy behavior. I’d call my agent and report this, and document. Maybe they are trying to settle with you and go outside the loop.

[Anonymous]

They're trying to establish liability. Go through your insurance company. I'd record any interactions with the other insurance company (it's built into the new IOS) to make sure that you have a record of declining to speak without giving any information regarding the accident.

[Anonymous]

Never talk with the other insurance company. Always work only with your insurance.

[Anonymous]

Call your insurance company asap - direct any calls to them. FWIW - They will probably have you make a recorded statement. Mine did after a recent crash. That's not unusual, but they will decide what and when to provide to the other insurance company.

[Anonymous]

Who was at fault? Did you get rear ended? If so, I wouldn’t hesitate to talk to the other insurance. If it is not clear who was at fault then yeah don’t talk to them

[Anonymous]

I thought it was standard protocol for each party involved to be questioned by the other party’s insurance company.

At least that is what I have always done.
I have been in two minor collisions and the other person’s insurance company has always called me and asked me for a statement (though I cannot remember if they recorded me or not.)

So I am glad that I learned this new bit of info today.

[Anonymous]

I think this is pretty standard protocol. I just did a recorded statement for the other driver's insurance two days ago and today got my deductible refund--even before my car repairs have been completed. This was a situation where it was clearly not my fault, so I didn't have an issue providing the statement to them.