Wes,
I use to deal with insurance companies in Michigan years ago. I know the
laws are different from state to state, but yes... they will try to take advantage
of you, even your own company, most times!
Good Advice:
Admit nothing to no one, even though you know that this wasn't your
fault ( don't even say " I'm Sorry" to the other driver!);
Don't talk to the press (I say this not to be dramatic, but if there was a
past history of accidents at this intersection, and local people were trying to
"solicit" you, you never know when a reporter may call you or show up
unexpectedly), I've seen this before!;
Seek and retain a good attorney, one who may take this case on "contingency",
or no money down, if he feels that he (you) have a good case;
And don't even talk about it too much with your family or friends, as, if it
really gets deep and nasty, their lawyers can construe this as you were trying
to "come up with a good story", or "get your story straight"!
Be careful in what you say and do in this situation, and document everything
you can.
Give you another example I've seen;
Lawyer/Insurance Rep from the other guy's insurance calls you to make a
"friendly" settlement, offers you a (seemingly) large amount of cash, and you
say that you will "think about it", just to keep it out of court, and a long battle.
Next thing you know your getting legal papers from the local court that has
jurisdiction, saying that you made a "tentative" agreement, and that you must
not feel that you suffered too much damage, since you were "thinking" about
taking the preliminary offer that the other guy's insurance company was
offering you. This could severely taint your case if and when it does go to
court.
If anyone you are not intimately familiar with in this situation calls you, hang
up IMMEDIATELY, do not pass go, etc...
Sorry to go too far off on this, but this could be crucial information that
could save you heartache down the road!
Let us know what happens...