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It is common for the other driver’s insurance company to call you within days – maybe even within hours – after an accident occurs. If you talk with the insurance adjustor, you risk falling into three pitfalls:

• Giving a recorded statement – The adjustor may ask you to give a taped interview about the accident and your injuries. However, the adjustor may – and most likely will – use anything you say against you in an effort to deny or minimize your claim.
• Giving medical authorization – The adjustor may also ask you to sign a document that will allow the insurance company to access your medical records. However, the adjustor will use this access to find out whether you have any pre-existing injuries or other medical issues that the insurer can use against you.
• Accepting a settlement offer – In some cases, an insurer may make a settlement offer immediately after a crash. However, this offer may fail to fully and fairly compensate you.

For these reasons, you should talk with a Memphis car accident attorney first before you give a recorded statement, grant medical authorization or accept a settlement offer from the other driver’s insurance company. A lawyer will protect your rights and deal with the insurance company on your behalf while you focus on your physical recovery.