Contacting Insurance Companies After a Rock Hill Car Accident
You should notify your insurance company as soon as you can after a car accident occurs in Rock Hill SC. It is very important that you notify your insurance company based on the instructions provided on your insurance card. In South Carolina, you have a duty to notify your insurance company within fifteen days. At that time, your insurance company is required to complete an FR-10 and send it to the Department of Motor Vehicles to verify on your behalf that the vehicle that you were driving at the time of the wreck was, in fact, insured. If you do not do that, you could be subjected to having your license suspended.
The other driver has the same obligation. Unfortunately, sometimes, an at-fault party does not get in touch with their insurance company soon enough so that they can get the vehicle repaired in a timely manner. In that case, you may have to contact their insurance company to set up a claim and get a claim number. Their insurance company will begin their investigation which includes taking statements. They will get statements from their insured, and they are going to want to get a statement from the injured party, as well. Additionally, they are going to want to speak to the officer who investigated the wreck. Obviously, it is recommended that you do not talk to their insurance company or give any statements prior to talking with an attorney. In our initial consultation, we often get enough information to provide directly to the other party’s insurance company, so a statement may not be necessary.
Rock Hill Car Wreck Attorney Offers Tips
It is important that you give them your name and address, you can tell them where the vehicle is located, so they can go look at the vehicle. However, if you are injured in the automobile accident, it is advised not to give any type of statement for several reasons.
Firstly, it is going to be recorded. Insurance companies have adjusters who are trained to misdirect, confuse and twist the statements to make it more favorable for them. An adjuster is hired to minimize the loss, to cut the losses for the at-fault party’s own insurance company. That adjuster is actually working for the fault party and giving a statement to them before speaking to a lawyer can be very detrimental to the ultimate outcome of the case. Insurance companies have lawyers working for them
Therefore, it is highly recommended that before giving any type of statement to the other party’s insurance company, that you call an auto accident lawyer first and schedule an appointment to meet with them to discuss the facts of the case.