Read This Before You Do
If you were in a car accident and the other driver’s insurance company contacts you, what you say — or don’t say — can impact your entire claim. Many people ask:
“Should I talk to the other driver’s insurance company?”
The short answer: Yes, but be extremely careful. Their goal is to protect their bottom line — not to help you.
In this guide, we’ll explain when you should talk to the other driver’s insurer, what to say, what to avoid, and how to protect your claim from being lowballed or denied.
When the Other Driver’s Insurance Company Will Call You
If the other party reported the crash, their insurer may try to:
- Collect a statement from you
- Request photos or documentation
- Ask questions about injuries or fault
- Push you toward a quick settlement
They may seem polite, but make no mistake — they’re trained to reduce payouts.
Should I Speak to the Other Driver’s Insurance Company?
✔️ Yes, if:
- You’re filing a third-party claim because the other driver was at fault
- They need basic info like your name, contact details, or vehicle make/model
🅇 No, if:
- They ask for a recorded statement
- They push you to admit fault or say you’re “feeling fine”
- They pressure you to accept a settlement quickly
- You don’t yet have a copy of the police report or know your full injuries
Pro Tip: Always speak with caution and avoid discussing fault, injuries, or making guesses. Stick to the facts only.
What to Say (And What Not To)
What You Can Say:
- Your full name
- Vehicle information
- Where and when the accident happened
What You Shouldn’t Say:
- “I think I was partially at fault.”
- “I’m not injured.” (Injuries can show up days later.)
- “Yes, I’ll give a recorded statement.”
- “I’ll accept the offer.” (Without reviewing damages or medical evaluations)
Talking to Insurance After an Accident That’s Not Your Fault
If you were not at fault, you have the right to pursue a third-party claim. But that doesn’t mean you should hand over your story to the other driver’s adjuster on a silver platter.
Make sure you’ve gathered:
- A copy of the police report
- Documentation of all damages
- Medical records (if applicable)
Need help getting the accident report to support your case?
Visit accidentfeed.com to speak with an Accident Report Specialist.
Do You Have to Talk to the Other Insurance Company?
No. You are not legally required to give a statement to the other driver’s insurance. If you’re uncomfortable or unsure, you can say:
“I’m still reviewing the accident and prefer to communicate in writing.”
“I’ll get back to you after I have the full police report.”
“I’m not comfortable giving a statement at this time.”
How BetterClaims Can Help
At BetterClaims, we help you understand your rights after an accident — especially when the insurance company tries to get you to say something that could reduce your payout.
We provide:
- Guidance on what to say (and avoid)
- Resources to help you get your police report
- Support in navigating the post-accident process
Don’t let the insurance company control the conversation. We’ll help you take it back.
Frequently Asked Questions (FAQs)
Yes, but you are not required to answer their questions without preparation.
Note what was said, avoid further statements, and consult a trusted resource to protect your claim
No. Recorded statements can be used to twist your words and reduce your claim value.
Protect Your Claim
If you’re wondering whether you should talk to the other driver’s insurance company, remember this: They don’t work for you — they work for their policyholder. Say as little as possible, get your facts straight, and never settle without understanding the full extent of your damages.