After a car accident, there is a good chance the other driver’s insurance provider will contact you. According to the South Dakota Department of Labor and Regulation, motorists must have proof of financial responsibility. Usually, this takes the form of car insurance.
However, there are certain pitfalls you want to avoid when an insurance adjuster contacts you. Saying the wrong thing can result in a decreased payout. South Dakota is not a “no-fault” state, so culpability matters for lawsuits and insurance payouts. See below for tips on speaking with an insurance company after a car accident.
You can refuse to speak
First, you do not have to talk to the insurance adjuster. Insurance providers know this, but they still will call you. They do this because they want to get a statement from you that contradicts your police statement or proves your fault. When you receive a call, politely tell them you cannot talk.
Do not give a statement or admit any details
Remember, the other insurance company is not on your side. They will try to entice you into what seems like a casual conversation, but the purpose of their call is to reduce the amount of money they must pay you for the accident. Do not under any circumstances give them a recorded statement. You have no legal obligation to do this. Never admit any fault or downplay any injuries you received.
Do not trust any other parties that try to contact you after a car accident. Your best option is to refuse any requests for a statement. A motor vehicle accident is traumatic enough. You do not need to add any financial worries.