Insurance disputes frequently arise when an insurance company chooses to: deny payment under the policy; minimize the amount of payment required and/or delay ultimate payment under the policy of insurance.
Liability Insurance Claim
While you may see commercials where insurance carriers claim to be “Good Neighbors” or state that you are “In Good Hands”, you must keep in mind that they are companies and as companies, they are in business to make a profit. This is true even if you are dealing with your own insurance company.
If the insurance adjuster for the negligent driver contacts you, simply obtain the person’s name, phone number and the claim number.
Do I have to Provide a Recorded Statement?
No. A recorded statement is not necessary and I generally do not recommend providing one to the liability insurance company unless it is given in my presence. Note: this response may change if it is your own insurance company asking you for a statement as many policies include a duty to cooperate with the insurance company.
Do I have to give them a Medical Authorization?
No. Most medical authorizations are generic and unlimited in time (could be from birth to the present) and unlimited in scope (could be used for any and all doctors you have ever seen). I generally do not recommend signing these authorizations until after you have been able to obtain legal advice from an attorney. Note: this response may change it if is your own insurance company; however, I still recommend speaking with an attorney before signing any documentation from the insurance company.