Navigating Communication with UPS’s Insurer After an Accident: A Cautionary Tale
In March, I was involved in a car accident with a UPS truck that turned my routine day into a perplexing situation. Fortunately, I was able to manage the aftermath through my insurer, State Farm, but recent developments have prompted me to seek advice on the best course of action moving forward.
The Incident
To provide some context, I was driving when a UPS truck ran a blinking red light and collided with my vehicle in an intersection. Thankfully, the impact occurred on the unoccupied passenger side of my car, and I emerged unharmed. The police quickly responded to the scene, gathering statements from both the UPS driver and myself. My vehicle, however, was left disabled in the intersection and had to be towed.
Following the accident, I coordinated everything through my insurance company, State Farm. They concluded that I was not liable for the incident, subsequently declaring my vehicle a total loss and compensating me for its value. I even managed to purchase a new car, assuming that the situation was effectively resolved.
Unexpected Communication
To my surprise, I received a letter recently from Custard Insurance Adjusters, presumably representing UPS’s insurer. They are requesting a phone discussion regarding the details of the accident. Initially, I felt that all aspects of this incident had been addressed and closed, so this communication caught me off guard.
Seeking Guidance
Given that my previous interactions have been solely with my own insurance company, I have a few concerns before engaging in a conversation with the UPS insurer. While I am open to discussing the matter, I want to ensure that I am not inadvertently jeopardizing my position or making any unwise decisions.
For anyone who has had a similar experience, what should I keep in mind? Is it advisable to accept their request for a discussion? Are there specific pitfalls I should be aware of to avoid any potential issues?
Your insights would be invaluable as I navigate this unexpected turn of events and seek to protect my interests. Thank you!
