After getting in a car accident in New Jersey, you’re going to have to report it to your insurance company, which is going to help you cover your medical bills and repairs. Therefore, it’s important to know what to say in this kind of situation. Here are some important things that you should and shouldn’t reveal to your insurance company after getting into a motor vehicle accident.
What you should tell them
The most important thing you should tell your insurance company after a car accident is the facts. This includes exactly what time it happened; where it happened; and exactly what happened, including the speed, traffic conditions, weather conditions, as well as who hit whom. The insurance company will need these details in the future.
You also need to tell your insurance carrier what type of damage your vehicle sustained as well as if you have experienced any physical harm. Also, try to take note of the damage that the other person’s vehicle suffered.
After the car accident, it’s important to gather information from the other driver. You will need information such as his or her full name; contact information, like a phone number; his or her license plate number; the person’s driver’s license number; his or her insurance company’s name; and the make and model of his or her car.
If you see anybody around the location of the accident who may have witnessed what transpired, you should try to see if you can get his or her contact information. Having a witness to corroborate your story can be very useful and help ensure that you are rightfully compensated.
What you shouldn’t tell them
When talking to your insurance company you should never say that the accident was your fault even if it was. You should never give your opinion either because if you provide information that isn’t accurate, it could end up hurting you in the long run. You don’t want to tell your insurance company information that is incorrect, which may end up causing you to not get compensated for the accident if you were not at fault.
Car accidents can be very expensive and inconvenient. This is why it is crucial that you know what to say that will help your case and cause your insurance to pay for your medical bills and repair your car.