As an attorney I have represented hundreds of accident victims. Before becoming an attorney I worked for a large insurance company in the commercial claims department, so I’ve seen this issue from both sides and I can confidently say that before you speak to ANYONE from any insurance company, you should consult with an attorney first.
Why? Simple, an attorney has your interests first and will advocate for you. The insurance adjuster has the interests of his/her company and insurance policy holder first, NOT you.
But I don’t have anything to hide, you say. And I do not believe you do, but let me give you a short example. It is routine in a car accident for the adjuster to ask you how fast you were driving immediately before the crash. You may say something like “about 45 MPH.” Now unless you specifically remember looking at your speedometer and it said 45 MPH, you should reconsider answering with such certainty. In a number of cases I have seen the insurance company take that statement (45 MPH) and use an “expert witness” to calculate braking distances and then blame YOU for the accident.
If you had spoken with an attorney, he/she would have asked you when you last looked at the speedometer, etc….before letting you guesstimate your way through a statement.
If you have an Texas injury case that you would like to talk to me about, please feel free to call me at (713) 370-7100 or you may email me directly at eric@ericgruetzner.com.