I received a call from someone else’s insurance company regarding an accident I supposedly caused. They claim I cut off another car, leading to a rear-end collision behind me. This incident occurred nearly a month ago.
I don’t recall cutting anyone off, and I was hesitant to say much more. However, the insurance agent mentioned they have dashcam footage, which made me uneasy. I expressed that I believed I made a legal turn.
Afterward, I contacted my own insurance company, and they advised me to wait and see what actions the other party’s insurance takes. In hindsight, I wish I would have kept my comments to myself, especially since I don’t think a police report was filed. I’m concerned that the other insurance company will try to place the blame on me, and I can’t help but wonder if I should have stayed quiet.
This all happened in Massachusetts.
It’s understandable to feel uneasy about receiving a call from another person’s insurance company, especially when it involves an accident you were allegedly part of. It’s good to hear that you reached out to your insurance company for guidance—they usually have your best interests in mind.
In Massachusetts, like many other states, it’s often best to limit what you say to the other party’s insurance company. While it’s important to be honest, you should avoid providing too many details until you have all the facts. Since they mentioned dashcam footage, it’s wise to wait and see what evidence they present. If their footage contradicts your account, it could complicate matters.
If a claim is filed against your insurance, it’s crucial to cooperate with your own insurer as they’ll handle the investigation and determine the best course of action. It might also be a good idea to consult with a legal professional who specializes in auto accidents to understand your rights and what you can do to protect yourself moving forward.
Remember to document everything related to this incident, as it could be helpful if disputes arise later. Keep communication lines open with your own insurer and take their advice into account. It’s always better to move forward carefully in these situations.