Why You Should Never Talk to an Insurance Company Directly

Video Summary

Attorney Frank Penney explains why he does not advise talking to an insurance company about your personal injury case. There are really 4 main reasons:

  • Insurance companies want to pay as little as possible for your personal injury, or not at all
  • Insurance companies may try to place blame on you for the accident
  • Insurance companies could misuse your medical records if you give them authorization to obtain them
  • Insurance companies are not on your side

Do not speak with an insurance company in the aftermath of an accident. What you say to an insurance company after an accident can be used against you, and this is a common legal mistake. You can ruin your personal injury case if you file a car accident or personal injury claim before speaking to a personal injury attorney.

Video Transcript

Hello, my name is attorney Frank Penney and this is the Legal Minute. Should you talk to an insurance company? The short answer is, no. The insurance company is not on your side. The insurance representative’s motivation is to pay the least amount possible or not pay at all. The insurance representative will take time to conduct a liability investigation and want to take a recorded statement which I do not advise. They will want to blame you fully or partially for the accident and will want you to sign an authorization to obtain all your medical records even if those records don’t apply to your case. The insurance representative will operate under the guise of being cooperative and reasonable, but don’t let that fool you – they don’t want to pay you much or anything.

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