Should I Talk to the Insurance Company?
The answer is generally no. However, there are certain times when you can and should, and with certain limitations:
Your No Fault Insurance – If you are in a car accident you should be in contact with the adjuster handling your no fault claim. However, you should not discuss how the accident happened or fill out any reports where you are asked to describe how the accident happened. Leave that to your attorney.
The Insurance for the Other Party on your Property Damage Claim – If your vehicle was damaged, you should talk to the adjuster handling your claim. However, you should not discuss how the accident happened or fill out any reports where you are asked to describe how the accident happened. You can allow the adjuster to inspect your car, either at your home, at the body shop or at its claim center. If you are unsure, ask your attorney.
The Workers Compensation Insurance if you are injured on the job - this company is processing your claim for your medical expenses and lost wages, and you should speak with them. However, do not discuss how the accident happened. It is always best to let an attorney work with the company rather than you when you are having difficulties getting your benefits.
In all the above situations, do not allow your conversation to be recorded. If it is being recorded, hang up.