Is it wise for me to talk directly with my insurance company about a claim on my policy without a lawyer's advice?
1 attorney answer
Your insurance carrier has a fiduciary duty to protect your best interest. When your vehicle was involved in hit and run accident, the other insurance carrier likely ran a carrier search on your vehicle to find your insurance policy. I recommend you cooperate in your insurance carrier's investigation. If your car was stolen, your carrier will likely deny coverage to the party making a claim as most insurance policies define insured drivers as drivers listed on the policy and other permissive users (you must refer to your insurance contract for exact definition of insured driver). Your insurance contract likely also requires you to cooperate in their claims investigations. However, if you don't have anything to hide, there is no reason not to speak to your own insurance carrier. On the other hand, if you knowingly make false statements to your insurance carrier, that has material impact on claims investigation, you may be found guilty of fraud.
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