What If the Insurance Company Calls Me After an Accident?

If the other driver’s insurance company calls you after an accident, it is important to be careful.

Why are they calling so quickly?

Insurance companies often contact injured people early in the process to:

  • get a recorded statement

  • gather information that may reduce the value of a claim

  • encourage a quick settlement before the full extent of injuries is known

Should you give a recorded statement?

In many cases, it is better to be cautious before agreeing to a recorded statement—especially if you are still receiving treatment or do not yet understand the extent of your injuries.

What should you say?

Keep it simple and factual. You can usually provide:

  • your name

  • basic contact information

  • the date and location of the accident

Avoid guessing about:

  • fault

  • speed

  • injuries

  • whether you are “fine”

Why this matters

Many injuries worsen over the days following a crash. A statement made too early can become a problem later.

When should you get legal advice?

If the accident caused injuries, medical treatment, lost work, or significant stress, it may be worth talking with a lawyer before speaking in detail with an adjuster.

At 100 Fires Law, we help injured people in Portland and across Oregon navigate insurance claims with clarity and confidence.

You do not have to figure this out alone. If you need guidance about your next steps, contact 100 Fires Law to schedule a consultation.