St. Louis, MO personal injury attorney Herman Jimerson talks about what you should do if the other driver’s insurance company contacts you. He strongly advises against speaking directly with insurance companies. This recommendation stems from the fact that insurance companies aim to limit their liability and minimize the damages they pay out. Many people mistakenly believe they can effectively represent themselves without a lawyer, but this is rarely the case. Insurance adjusters are skilled professionals trained to elicit statements that could later weaken a claimant’s position.

Adjusters often use conversations to craft scenarios where the claimant’s words can be used to limit the insurance company’s responsibility for damages. Speaking directly to them usually serves no beneficial purpose and can place individuals at a disadvantage. Insurance companies are not in the business of paying the full value of claims; their profitability relies on reducing payouts and controlling liabilities.

To safeguard their interests, individuals should avoid direct communication with insurance companies and instead consult with a lawyer. A legal professional can assess the full scope of damages and ensure that the claimant’s rights are protected.