Why You Should NEVER Talk to Insurance Companies After an Accident

A common question we hear at M&Y Personal Injury Lawyers is:

“Can I just handle the claim myself? I trust my insurance company—they’ve always taken care of me.”

We understand the instinct. Many people feel like companies such as State Farm, AAA, or Geico are looking out for them. But the truth is this: you should never deal directly with the insurance company after a car accident—especially not alone.

Here’s Why:

Insurance Companies Are Not on Your Side
These companies are multi-billion dollar, publicly traded corporations. Their primary duty is not to you—it’s to their shareholders. Their business model is built on collecting as much in premiums as possible and paying out as little as possible in claims.

Even if the adjuster seems helpful or empathetic, their goal is to minimize what they pay you.

They Want Your Recorded Statement—for Their Benefit
One of the first things an insurance company may request is a recorded statement. This is not to help your case. It’s to gather information they can use to reduce, deny, or delay your personal injury claim.

You Are Not On Equal Ground
Insurance companies have teams of adjusters and lawyers trained to protect their bottom line. When you speak with them directly, you are at a significant disadvantage.

What Should You Do Instead?

Talk to a personal injury attorney first.
At M&Y Personal Injury Lawyers, we deal with insurance companies every day. We understand how they operate, and we know how to protect your rights.

If you’ve been injured in an accident, contact us before speaking to the insurance company. We’ll make sure you’re treated fairly and fight to recover the compensation you deserve.