If you are in an accident that was caused by someone else, there's a good chance that you'll have a conversation with an insurance underwriter at some point after you file the claim. When you do, it's important to consider your words carefully. There are a number of things to consider when you receive that first phone call from the insurance carrier. Here are some of the things that you should think about.

Are they asking to record the conversation?

If the underwriter calls you and asks to record the conversation, it's in your best interest to refuse until you can reach out to your lawyer. Avoid making any recorded statements because they can be used in the consideration of the claim. If you can't remember something, you don't want to risk taking a guess and having it on record. Work with your attorney to schedule your statement so that your interests are protected.

Did they make a settlement offer?

If you got a settlement offer from the underwriter, be cautious about accepting it. Make sure that you only accept the offer if it is fair and equitable. Consider the extent of your injuries, your medical costs, any long-term effects that you might be faced with, and the effects on your life, your work, and your family. Remember that, if you take the case to court, you might get a better settlement. Your attorney can help you counter the offer if you want to seek a larger settlement.

Did they ask you to sign a statement?

When an underwriting specialist asks you to sign a written statement, consult your attorney before you do so. Your lawyer will help you review the statement carefully, discuss your recollection of the events, and consider the evidence. This process is important because your signature confirms the statement as correct and usable in court, should the need arise. Working with an attorney ensures that you have someone looking out for your interests.

Do you have trouble recalling the accident?

One of the most common problems for individuals talking to the insurance carrier after an accident is lapses in memory. If you can't remember something clearly, you might be tempted to guess. Resist the urge to estimate or guess, even if you say that it's a guess. Instead, tell the underwriter that you cannot recall at this time.

These are a few of the most important things to consider if you're facing the aftermath of a personal injury. Talk with the best accident attorney near you about how you should respond to the underwriter's phone call.