Where This Fits in the Claim Process
An early call from an insurance company usually means the claim is in the “opening and investigation” stage. The adjuster is typically gathering facts, checking what coverages may apply, and building a file that will later be used to evaluate fault and damages. What you say in this stage can shape how the insurer views the case going forward.
Practical Steps That Usually Help
- Control the communication: Ask who the caller is, who they represent (your insurer or the other driver’s insurer), and what they need. Keep a simple call log with dates, times, and a short summary of what was discussed. When appropriate, follow up in writing with a brief confirmation of any agreed next step (for example, where to send photos or bills).
- Protect the record: Stick to what you know. It is fine to confirm basic facts (your contact information, the date of the crash, the general location, and the vehicles involved). Avoid estimates (like speed), avoid “I’m fine” statements if you’re still sorting out symptoms, and avoid guessing about what another person saw or did.
- Use escalation options when needed: If the adjuster is not responding or is pressuring you, you can ask for the request in writing or ask to speak with a supervisor. If you retain counsel, your attorney can usually take over communications so you are not fielding repeated calls while you’re trying to recover and handle daily life.
Common Mistakes to Avoid
- Giving a rushed recorded statement: A recorded statement can lock you into wording that may not match later documents (like the crash report or medical records). If you do give any statement, keep it factual and limited, and do not speculate.
- Accepting “deadlines” at face value: Adjusters may ask for quick responses. Some time limits are real, but others are internal. If you are unsure what a deadline means, ask what happens if you do not meet it and request the requirement in writing.
- Downplaying or overstating injuries: Early symptoms can change. Keep your descriptions accurate and consistent. Save any written communications so you can avoid accidental inconsistencies later.
- Overlooking fault issues: North Carolina follows a strict contributory negligence rule in many negligence cases. That means the insurer may focus heavily on anything that suggests you contributed to the crash, even in a small way.
How This Applies
Apply to your situation: Because the accident happened in late [DATE] and the insurance company has already reached out, you are likely in the early investigation stage. A practical next move is to schedule a time when you are not rushed (like the follow-up you requested for the next morning), then keep the conversation limited to basic facts and logistics while you document what was asked and what you provided. If the adjuster requests a recorded statement or broad medical authorizations, it is reasonable to pause and get legal advice before agreeing.
Conclusion
If an insurance company contacts you after a Durham-area accident, you do not have to ignore them—but you should control the conversation. Keep it factual, keep good notes, and avoid guessing or agreeing to a recorded statement while you feel rushed. Because North Carolina fault rules can make early statements important, your best next step is to gather your basic documents and speak with a licensed North Carolina personal injury attorney promptly about how to handle communications.
