The Wagners - A Serious Injury Law Firm blog shares Personal Injury stories and opinions relevant to Halifax, Nova Scotia residents. Let us know what you think.

Do I have to speak with insurance companies following a car accident?

by | Tuesday, November 28, 2017

When you are injured in a motor vehicle accident and deemed not at fault for the collision, a call will inevitably come from both your insurance company and the insurance company of the other driver. Many individuals phone our office wondering if they are obligated to speak to these insurance adjusters.

The insurance adjuster from your insurance will be phoning you to set up an accident benefits claim. This is what is referred to as Section B insurance. This insurance adjuster has the duty to act in good faith and cannot take advantage of you. It is always best to cooperate with these adjusters because they are there to assist you in obtaining any treatment needs you may have. The Section B policy of insurance entitles you to four years of coverage or $50,000 for medical treatment (such as physiotherapy, osteopathy, massage therapy, medication, etc.) which ever comes first. It is important to speak to the adjuster so that they can work with you to assess your care needs and to ensure coverage is provided for the treatment and medication you require. Often the claims representative will want consent forms signed to obtain your personal documentation. Never sign anything from this adjuster before consulting with a lawyer.Make sure to document all communication with the insurance company. Most adjusters are willing to communicate by email.

As for the third party insurance company, they are not required to act in good faith and there is no obligation to speak to them. Remember, they represent the interests of the third party driver who hit you. However, if you are seeking compensation for your injuries, they are going to need to know what your losses are as a result of your injuries. They will want to know what your injuries are, any income you have lost as a result of the accident, any out of pocket expenses, etc. All of these losses need to be proven through documentation such as employment files and medical files. Not all information is necessarily relevant to a claim and some documentation may not seem relevant to a lay person but it may be legally relevant. It is always a good idea to consult with a lawyer before speaking to the third party insurance company so that you have an understanding of what information should and should not be disclosed.

Do You Have a Claim?

I have read and understand the disclaimer.

call for a free consultation

1-800-465-8794

Sam M
Sam M
16:11 19 Jan 18
Dyana was so kind to help me and respond to my query within 24h even though they do not pursue the specific class action I was looking for. She sent me few links by email. Thank you Dyana.
linda frausell
linda frausell
01:21 16 May 17
I have dealt with Wagner and Associates over the years and have received great advice,support and results . Their team is very respectful and show they care. You can trust them to take care of you and they always have your best interest in hand. I would definetly recommend them .
frank slaunwhite
frank slaunwhite
16:29 03 May 17
Ray Wagner and his legal team have been representing my niece and I for many years. They have been honest and quick to respond to all our needs in a professional manner. I highly recommend Wagners Law Firm and appreciate their caring approach.Thanks
Missy Day
Missy Day
12:03 06 Oct 16
I can't speak highly enough about the lawyers at Wagners who represented me for injuries from not one but two motor vehicle accidents. They were very professional and approachable. I was kept informed of all steps in the process and all of my inquiries were responded to and dealt with very quickly. The lawyers are knowledgeable and showed great empathy for what I was going through. I would recommend this firm to anyone!
Nicholas Gordon
Nicholas Gordon
11:30 06 Oct 16
I contacted Wagners about a motor vehicle accident.I was able to speak with someone right away. The staff were very pleasant and helpful.I received a response about pursuing a case the next day.I would highly recommend this firm.
See All Reviews
LIVE CHAT