Navigating Changes in Statements During Auto Insurance Claims

When two parties involved in an accident disagree about the details, particularly when their statements to the police and their insurance providers differ significantly, it can complicate the insurance claim process. This issue is especially critical to address as the insurance company relies heavily on the initial police report, which often holds significant weight in determining liability.

Understanding the Importance of the Police Report

After any accident, both parties involved are encouraged to contact the police. The reason for this is multifaceted. First, a thorough and unbiased police report can serve as an objective record of the incident, providing evidence that can be accessed and used in the insurance claim process. Additionally, it can act as a safeguard against potential fraud, as insurance companies may be more likely to suspect foul play if the statements made to the police and to the insurance company vary significantly.

Safety Precautions at the Accident Scene

Your safety is the foremost concern when you are involved in an accident. It is critical to ensure that you and any passengers are safe. Consider the possibility of threats from an angry or aggressive other party and always call the police if your safety is at risk. Moving the vehicles to a safe location away from traffic and impeding the flow should also be a priority.

Documenting the Accident

Photographs and witness statements are invaluable in the insurance claim process. Taking pictures from multiple angles can provide a comprehensive record of the accident scene, including the point of impact, location of the vehicles, and the surroundings. Additionally, securing witness information can be crucial. It is often recommended to call the police, even for non-injury accidents, as they can provide a timely and accurate report, which may not be immediately available at the scene.

What Happens When Statements Differ?

Insurance adjusters will carefully review all the information and evidence surrounding the accident. If the other party's statements to the police and their insurance company do not align, the insurance company will investigate to determine the truth. The driver who is turning left in any situation is typically under greater scrutiny, and their credibility can be questioned when they change their story.

It is crucial to leave the dispute in the hands of your insurance company. When you receive a summons related to the accident, submit it to your insurance carrier, and they will handle the claim under the original report. They will typically pay for the damages under your collision coverage and then seek reimbursement from the other party's insurance company. Upon successful collection, you will be reimbursed for your deductible.

Securing a Fair and Just Resolution

Track testimony given at the accident scene, as it may carry more weight than the recanted story provided to the insurance company at a later date. Insurance companies and courts are well-aware that stories can change after an accident, and they prioritize evidence that is closest to the incident. If the other party's insurance carrier is not willing to accept their fault based on the changed story, pursuing legal action might be necessary.