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What Questions Will My Insurance Company Ask After A Car Accident?

insurance company questions

After a car accident, people are often left with serious bodily injury on themselves or their loved ones, countless medical and hospital bills, loss of income from their inability to work, and emotional pain and suffering. However, in order to proceed with getting your insurance recovery, you will have to file an insurance claim with your carrier. Car accidents are stressful and damaging enough to your quality of life without having to worry about multiple questions from your insurance company.

After this occurs, it won’t be long before your insurance company’s adjuster begins to call you to discuss your accident and the extent of your damages. The inherent purpose of this call is to try to push you to accept a settlement offer that is typically rushed and low—much lower than what you would likely receive if you take your case to court. Insurance companies understand this but nevertheless try to entice injured individuals to accept low settlement offers as a quick and easy means of moving on with their lives. However, this motive is not the worst part. The worst part is that the questions from the insurance adjuster are designed to lessen your possible recovery amount. This is accomplished by eliciting information that bears on assigning fault or responsibility for the accident as opposed to general questions about discovering what happened.

The process generally begins when the insurance company calls you and asks to conduct an interview regarding the car accident. While these interviews are usually conducted over the phone, they may also occur at a nearby office of the insurance company. The purpose of the interview is to gather information from you about the types and extent of damages that were caused by the car accident. Below is a list of questions that your insurance company will likely ask you at this stage:

  • What day, date, and at what time did the car accident take place?
  • Where precisely did the car accident take place?
  • List all parties involved in the accident.
  • What direction were you traveling in and where were you going?
  • Were you wearing your seatbelt at the time of the accident?
  • Do you recall failing to obey the rules of the road such as stop signs or traffic lights?
  • Were you under the influence of alcohol or drugs at the time of your accident?
  • What was the weather like at the time of the accident (e.g., raining, cloudy, foggy, snowing, etc.)?
  • How and why do you believe the car accident occurred?
  • Who do you think was at fault for the car accident?
  • Were you severely hurt?
  • Were other individuals in the vehicle with you, and, if so, were they injured?
  • Did you or others in your vehicle need immediate medical assistance or were taken to the hospital by the paramedics?
  • Did anyone bystanders, pedestrians, or other witnesses see the car crash as it happened or viewed the resulting physical injuries or damage to the vehicle(s)?
  • How many additional vehicles were involved in the accident, if any?
  • Tell us the details of your vehicle—year, make, and model.
  • Describe in detail the extent of the damage that was inflicted upon your vehicle?
  • Is your vehicle in immediate need of repairs, did you already begin to have your vehicle repaired, and where did these repairs get completed?
  • Was a police report filed and, if not, why?

Some of these questions such as the day, date, and time of the car accident can be answered without having to worry about anything. However, questions such as whether you were wearing a seatbelt or who you believe is most at fault should never be answered to your insurance adjuster. Further, it is important to understand that you are not required to answer questions from your insurance adjuster. Instead, hire an experienced personal injury attorney that is able to handle all correspondence between you and your insurance company as well as advise you about whether it is better that your case get litigated in court.

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