Should I Talk to the Insurance Company After an Accident in Colorado?

After a crash or serious injury in Colorado, one of the first calls you’ll likely receive is from an insurance company—sometimes even the same day. They may sound friendly, ask how you’re feeling, or request a quick statement “just to get the facts.” But before you say anything, it’s essential to understand the risks.

At Genco Injury Attorneys, we’ve seen how even innocent comments can be used to minimize or deny legitimate injury claims. Here’s what you need to know about talking to insurance companies—and why doing so without legal representation may work against you.

Why Insurance Companies Call So Quickly

Insurance companies aren’t calling to help you but to protect their bottom line. These early calls are often part of a strategic effort to gather information that can be used to limit your payout.

That might include:

• Getting you to admit partial fault.
• Catching inconsistencies in your story.
• Locking in your statements before you fully understand your injuries.

Even something as simple as saying “I’m doing okay” can be misinterpreted later to suggest you weren’t seriously hurt. That’s why it’s crucial to be cautious when speaking with adjusters, especially in the days immediately following a crash.

Do You Have to Talk to the Other Driver’s Insurance Company?

No. You are not legally required to speak with the other party’s insurance company after a crash. While they may pressure you to provide a recorded statement or sign documents, you are within your rights to decline and direct all communication to your attorney.

Talking to the other driver’s insurer without representation can seriously damage your claim. Insurance adjusters are skilled at framing questions in ways that can misrepresent your words or shift blame onto you—even when you did nothing wrong. The best approach is to say as little as possible and let your attorney handle the communication.

What About My Own Insurance Company?

If you’re filing a claim with your insurance, such as under uninsured/underinsured motorist (UM/UIM) coverage or for property damage, you may be required to report the incident. However, you still need to be careful about what you say.

Even your insurer may try to reduce its financial liability by:

• Disputing the extent of your injuries.
• Questioning whether your medical treatment was necessary.
• Delaying or denying parts of your claim.

Before giving a formal statement, speak with an attorney to understand what information must be shared and how to protect your rights.

How Genco Injury Attorneys Can Protect You

At Genco Injury Attorneys, we handle all communication with the insurance companies, giving you the space to concentrate on healing and rebuilding your life. We know how insurers operate, and we know how to fight back. When you hire us, we’ll manage all communications, prevent costly mistakes, and ensure your claim is positioned for maximum compensation.

If you’ve been injured and are unsure what to say—or not say—contact us today at (303) 500-1376, or online for a free consultation. We’ll deal with the insurance companies so you don’t have to.