Insurance companies involved in serious cases act quickly to protect their own interest. Before speaking with anyone, know who you're speaking with, what they want and who they represent. You're under no obligation to discuss your case with any representative of the party who caused your injury. It is not uncommon for accident victims to receive telephone calls from investigators/adjusters and others representing the other side who may be taping the conversation.
While it's necessary in an automobile accident case for you to inform your insurance company of the accident, also proceed with care. Very often, your own insurance company's adjuster is rushed and puts words in your mouth, either by recorded telephone statement or written statement, which you may later regret. These statements are subject to subpoena by the other side. Sometimes your insurance company may also be insuring the other side.
Keep in mind that once you retain an attorney, it is improper and unethical for any representative of the opposing side to contact you directly. Further, the attorney you retain should assist you in completing accident reports and arranging an interview for you with your own insurance carrier.
As soon as possible, take photographs and/or videotapes of any evidence (e.g., motor vehicles, accident sites and injuries, especially facial injuries). Evidence deteriorates over time, and the more quickly and accurately it's captured, the better. Take more pictures/footage than you think will be necessary; it's far better to have too much than too little.
Take Action--Statutes of Limitations Mean Time is Limited
The Statute of Limitations is the time limit after which you may not bring a suit for your injury. Delaying seeing an attorney may cost you the right even to bring a claim.