The Insurance Company Called After My Accident. What Now?

Your own insurer handles your PIP claim and any coverage under your policy. Your policy will usually require you to cooperate with them, so report the crash promptly and answer their questions honestly.

The other driver’s insurer represents their customer’s interests, not yours. You don’t have to give them a recorded statement on the first call.

• Write down the caller’s name, company, phone number and the claim number.
• Stick to facts you know. Don’t guess about speeds, distances or your injuries.
• Don’t agree to a recorded statement until you’re ready — you can ask for questions in writing.
• Don’t sign releases or accept an offer before you understand your medical situation and your options.
• Ask for anything they send you in writing.

Keep a simple log: date, who called, what was said. Save letters, emails, estimates and medical bills in one place. See medical bills after a car accident.

If you have a problem with an insurer, the Florida Department of Financial Services Insurance Consumer Helpline is 1-877-693-5236. The department recommends contacting your insurer first.