Should You Talk to the Other Driver’s Insurance Company?

(Advice from a Queensland Personal Injury Lawyer)

Getting into a car accident is bad enough 😣 — but getting a call from the other driver’s insurance company a few days later?

That’s when things get tricky.

You might wonder:

“Should I talk to them? What if I say the wrong thing?” “Are they trying to help me or trap me?”

Let’s break it down clearly, step by step — with emojis, real examples, and legal tips based on Queensland’s personal injury law 🧠💼

🚨 Short Answer: Be VERY Careful.

Yes, you can speak with the other driver’s insurer.

But don’t assume they’re on your side.

Their job isn’t to help you — it’s to:

• Save money 💰

• Minimise your claim 🙃

• Find ways to reduce or deny your payout ❌

👂 Why They Call You (And What They're Hoping)

After a crash, especially if you’re injured, the at-fault driver’s insurer may reach out to:

• “Get your version” of events

• Ask about your injuries 👩‍⚕️

• Offer you a quick settlement 💸

• Record your statement (sometimes without telling you) 🎙️

⚠️ Even a simple sentence like “I’m feeling okay now” could be used to argue that your injuries aren’t serious.

🧠 Real Talk from a QLD Personal Injury Lawyer:

I’ve seen it all. Here’s what usually happens when injured drivers talk to the insurer too soon:

1. They admit fault without meaning to

2. They downplay symptoms

3. They accept lowball offers

4. They sign waivers and lose the right to claim more later 😱

🚫 What NOT to Say to the Insurer

❌ Don’t Say This	⚠️ Why It’s Risky
“I’m fine now.”	Can be used to deny pain & suffering claim
“I guess it was partly my fault.”	Even small comments can reduce your payout
“I don’t need a lawyer.”	Opens the door for them to pressure you
“Sure, I’ll give a recorded statement.”	It can be used against you later in court

✅ What to Say Instead

If they call you:

📞 “Thanks for reaching out. I’m currently seeking legal advice and will have my lawyer contact you.”

That's it. Simple, polite, and protects your rights.

⚖️ Your Rights Under QLD Law

✅ You have the right to compensation if you were injured and someone else was at fault.

✅ You have the right to legal representation — and insurers can’t pressure you to settle without it.

✅ You have the right to say NO to giving a recorded or written statement.

🤝 Why You Should Talk to a Personal Injury Lawyer First

Talking to a lawyer before the insurer helps you:

• Understand how much your claim is really worth

• Avoid saying something that could ruin your case

• Handle all communication and paperwork (so you don’t have to!)

🧑‍⚖️ In Queensland, most personal injury lawyers offer No Win, No Fee — so you only pay if you win.

💥 Real Example: How Talking to the Insurer Cost One Driver $70,000

A woman in QLD accepted an offer of $15,000 just 3 weeks after her crash.

She didn’t have a lawyer. She was told it was “generous.”

Months later, her back injury worsened. She couldn’t work.

A lawyer reviewed her case and said it was worth $85,000+.

But she had already signed. It was too late. 💔

🧾 Summary: Should You Talk to the Other Driver’s Insurance?

🤔 Question	✅ Answer
Can they call you?	Yes — but you don’t have to speak
Should you give a recorded statement?	No — not without legal advice
Can they pressure you to settle?	They’ll try — but it’s your choice
Should you talk to a personal injury lawyer first?	100% YES

📞 Need Help After an Accident in Queensland?

Don’t deal with the insurance company alone.

Let us take care of your case, protect your rights, and help you get the payout you truly deserve.

🧑‍⚖️ Free consult with a QLD personal injury lawyer

📍 Offices in Gold Coast