5 Questions the Insurance Company May Ask You After a Car Crash | Oronoz & Ericsson, LLC (2024)

After a car accident, the insurance company of the person who caused the crash may contact you quickly. They will have many questions to determine what happened, if you were injured, and how much your claim is worth. It’s important to work with a lawyer who can help you answer these questions. Do not talk to the insurance company before you get legal advice from a Las Vegas injury attorney.

Oronoz & Ericsson Injury Lawyers has worked with thousands of people who were injured in motor vehicle accidents. Call today at (702) 878-2889 or use our online contact form to reach out. We offer free initial consultations, so there’s no risk to you.

Here are some common questions the insurance company may ask you after a crash:

1. What were you doing immediately before the accident?

The insurance company will do anything possible to remove some of the fault from their insured. That includes placing some of the blame on you. They may ask you what you were doing while driving before the accident to determine if you were using your phone, messing with the radio, talking to passengers, or otherwise distracted. They may even ask you for a signed release to obtain your phone records. Do not sign anything from the insurance company before talking to your lawyer.

2. Where were you coming from and going to?

The insurance company will ask you questions about where you were before the accident and where you were traveling to. They may be trying to determine if you were drunk, coming from a bar, or rushing to get to where you were going. Again, their goal is to place blame on you for the accident so they don’t have to pay as much in a settlement.

3. Who was in your car with you?

The insurance company may ask you who was in your car at the time of the accident. They may also ask for their contact information so they can interview your passengers. You should always give passenger information to your lawyer before you give it to the insurance company. Your attorney will talk to your passengers so there are no surprises about what they say.

4. What happened during the accident?

The insurance company will want an account of what happened from your point of view. They may even ask you this multiple times. They will be trying to find inconsistencies and blame you for the crash. You should talk to your attorney and iron out a statement that you can say with confidence or even read to the insurance company. Your attorney might even send them a written statement so you can reference that statement any time they ask you for details.

You should be honest when telling your attorney what happened. You should give as many details as possible and tell them everything. It’s important that you don’t leave anything out because even small things can have significant meaning in a personal injury claim.

5. Do you have any pre-existing injuries?

The insurance company will do anything to pay you less. If they can prove you were already injured and their insured didn’t actually cause your injuries, then they won’t have to pay you as much compensation. You aren’t required to tell them about pre-existing injuries or sign a release for them to obtain all of your medical records. Let your attorney handle these issues and only give them the medical information that is relevant to your claim.

Call a Car Accident Attorney After a Crash

Don’t deal with the insurance companies alone after a crash. They will ask you many questions and try to blame you for the wreck. They will do everything possible to give you as little compensation as they can. Call Oronoz & Ericsson Injury Lawyers today at (702) 878-2889 or use our online contact form to reach out.

5 Questions the Insurance Company May Ask You After a Car Crash | Oronoz & Ericsson, LLC (2024)

FAQs

Why do car insurance companies ask so many questions? ›

Insurance fraud is a significant concern for the industry. By asking questions, companies can verify the accuracy of their claims and prevent fraudulent activities. This ultimately keeps costs down for honest policyholders.

How to answer auto insurance questions? ›

Stick to the facts: Avoid giving an opinion about anything. Write down the adjuster's name and information for future reference. Do not guess answers: If you do not know the answer to a question, simply say so.

What is the leading question in insurance? ›

Many times, leading questions are used by organizations to persuade clients to make a particular decision. For example, if you wanted clients to sign up for an insurance plan, you could craft a leading question like: “When would you like to sign up for our insurance plan?

What triggers an insurance investigation? ›

Insurance companies are more likely to investigate you when you file a large claim. Any large check that they write comes out of their profits. Therefore, they are looking for any way to escape paying for the damages their policyholder caused.

What questions do investigators ask? ›

Also, a good investigator should focus on asking short, to-the-point questions such as “Who told you that?” and “What did she say to you?” and “Where were you during this conversation?” and “How did that make you feel?” and “What happened next?” Remember, a good investigator will resist the urge to tell a witness what ...

What is the downside of filing an insurance claim? ›

It could increase your premiums

When determining your premiums, insurance companies consider your likelihood of filing a future claim — which could cost them money. The higher your perceived risk, the more likely you are to pay more in premiums. Your claims history tends to play a direct role.

Why do insurance companies ask for pictures of your car? ›

Photo inspections serve multiple purposes. They help to reduce insurance fraud by capturing the condition of your vehicle before coverage begins or after an accident. This process also ensures that your premiums match your vehicle's condition and value.

What will most likely happen if you make many claims on your car insurance policy? ›

When you've had multiple claims, your rate may increase, even if you weren't at fault in the accident (depending on your state and your insurer). While an insurer can't cancel your policy mid-term if you've made multiple claims, they may choose not to renew your policy.

How to crack an insurance company interview? ›

Answer: Key skills include strong analytical abilities, effective communication, attention to detail, and a customer-focused approach. Additionally, adaptability and ethical judgment are essential in the ever-evolving insurance landscape.

What should I say in an insurance interview? ›

Sample Answer: I have a lot of experience in the insurance industry and have been successful in my previous positions. I've also taken courses on sales and negotiation tactics. I'm confident that I can help your company grow. Question: What are your strengths that will help you in this job?

What questions do they ask when getting homeowners insurance? ›

You'll likely be asked a series of questions, including the year your house was built, the type and age of the roof, the style of the home, its exterior finish and whether or not you have a garage.

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