After a car accident, many people receive a call from an insurance adjuster almost immediately. The adjuster may sound friendly, polite, and eager to “help,” which can make you feel comfortable sharing details about the crash. However, what seems like a harmless conversation can actually be one of the most important moments in your entire injury claim. Insurance companies know that the first statements victims make after a crash are often emotional, confused, or incomplete — and they try to use that to their advantage. At Nwogbe Law, your trusted injury lawyer Las Vegas, we help accident victims understand their rights so they don’t fall into traps that reduce their compensation. This guide explains whether you should talk to the insurance company after a crash and how to protect yourself from unfair tactics.
Should You Talk to the Other Driver’s Insurance Company?
The honest and straightforward answer is no — you should avoid talking to the other driver’s insurance company without speaking to a lawyer first. Adjusters may seem understanding, but their job is to limit the amount of money the insurance company must pay. Even simple comments like “I feel okay,” “I’m not sure what happened,” or “Maybe I looked away for a moment” can later be used against you as proof that your injuries are minor or that you share some blame. Although you may need to notify your own insurance company as required by your policy, you should still avoid giving detailed explanations, recorded statements, or assumptions about how the crash occurred. Anything you say can be twisted or misinterpreted, which is why legal guidance is so important from the start. You can learn about your rights after a crash by speaking with an experienced Auto Accident Lawyer Las Vegas.
Why the Other Driver’s Insurance Company Wants to Talk to You
Insurance companies contact victims quickly because they want to gather statements before you fully understand your injuries, financial losses, or legal options. When you answer, the adjuster may speak calmly and professionally to make you feel at ease, but their goal is to protect the company — not you. They hope you will unintentionally say something that weakens your case, such as taking partial blame, expressing confusion about how the crash happened, or downplaying your pain. They may also try to lock you into a certain version of events early on so they can challenge your claim later. This early contact has nothing to do with helping you and everything to do with saving the insurance company money.
How Insurance Adjusters Try to Reduce Your Claim
Insurance adjusters use subtle but strategic methods to limit payouts, and these tactics often catch victims off guard. An adjuster may ask questions that sound harmless but are designed to make you sound responsible or uninjured, such as asking whether you “feel better today” or if you “might have been distracted.” They may encourage you to give a recorded statement, not because it’s required, but because recordings create opportunities to misinterpret your words or highlight minor inconsistencies. Some adjusters apply pressure by suggesting you need to settle quickly or risk losing compensation, even though this is rarely true. Others may delay returning your calls to make you feel frustrated and more willing to accept a low offer. These strategies are used every day, which is why having an attorney respond on your behalf is one of the best ways to protect the value of your claim.
What You Should Say If You Accidentally Answer the Call
If you unintentionally answer a call from the other driver’s insurance company, the best response is to remain calm and keep the conversation brief. Rather than explaining the crash, describing your injuries, or answering their questions, simply let them know that you are not prepared to discuss details at this time. You can tell them that you prefer to communicate through your attorney, or that you will provide information at a later time after securing legal representation. Avoid discussing fault, symptoms, or the events of the crash because even polite or casual comments can be used to reduce your claim. The less you say, the more protected you are.
How Speaking to an Attorney Protects Your Rights
Talking to a lawyer before speaking with insurance companies provides strong protection from the very beginning of your claim. At Nwogbe Law, we help clients avoid harmful statements and handle all communication with insurance adjusters so you never feel pressured or confused. Having legal representation means that the insurance company cannot contact you directly, and every message must go through your attorney instead. We make sure that nothing is said that could hurt your case and that the insurance company does not trick or manipulate you into accepting responsibility. Additionally, an attorney knows how to calculate the true value of your injuries, medical needs, lost income, pain and suffering, and long-term recovery. With our experience dealing with insurance companies in Las Vegas, we protect your rights and fight for the full compensation you deserve.
When You Must Notify Your Own Insurance Company
Although you should avoid the other driver’s insurance company, you generally still need to notify your own insurance provider shortly after the crash. This requirement is stated in most auto insurance policies. When reporting to your own insurer, give only the basic facts, such as the date, location, and the fact that the crash occurred. Do not volunteer extra details, do not speculate about fault, and do not describe your medical condition. Your attorney can handle the rest of the communication and ensure nothing is said that could be misinterpreted. Even your own insurance company may eventually look for ways to reduce payouts, so caution is essential.
How Nwogbe Law Group Supports Accident Victims
When you choose Nwogbe Law Group, you gain a team of legal professionals who take over every aspect of communication and negotiation with insurance companies. We review medical records, gather evidence, speak with witnesses, evaluate the police report, and build a strong claim on your behalf. You never have to handle stressful phone calls or confusing paperwork alone. Our firm represents victims of many types of accidents, including slip and fall injuries, dog bites, trucking collisions, and wrongful death cases. Our mission is simple: protect your rights and secure the compensation you deserve while you focus on healing.
Frequently Asked Questions
1. Should I talk to the other driver’s insurance company after a crash?
No. Their purpose is to protect the insurance company’s financial interests, not yours. Speaking with them can harm your claim.
2. Do I have to talk to my own insurance company?
Yes, you must report the crash, but keep your explanation brief and avoid discussing injuries or fault.
3. Should I give a recorded statement?
No. Recorded statements often benefit the insurance company and may be used against you later.
4. Why does the insurance company want me to settle quickly?
They want to close your claim before you know the full value of your injuries or future medical needs.
5. When should I contact a lawyer after a crash?
Immediately. The sooner you contact Nwogbe Law, the sooner we can protect your claim and prevent costly mistakes.
Conclusion: Talk to a Lawyer Before Talking to Insurers
Insurance companies may seem supportive after a crash, but their main goal is to protect themselves — not you. Even well-intentioned statements can lead to reduced compensation or denied claims. Speaking with a lawyer early ensures that your rights are protected, your injuries are documented properly, and your claim is handled strategically.
At Nwogbe Law, we stand by accident victims across Las Vegas and fight to secure the compensation they deserve. If you’ve been involved in a crash, you do not have to face the insurance company alone. Our experienced attorneys are ready to help you navigate the process and defend your best interests. To get the support you need, contact us today.
