Do I need to talk to my insurance compnay? 25 Answers as of February 20, 2012

Never speak to insurance companies without legal counsel. They have every incentive to deny and destroy your claim.

It is a responsible to sit down with an attorney to discuss your case before talking to the insurance company.

It may be one if the reasons they call, but not the only reason. The insurance company also wants to estimate how much your total treatment will eventually cost.

What you have heard is partly true. Insurance companies try very hard to obtain information from you and they try very hard to pay as little as possible. While they are in the information gathering state they make fake sympathy and lead you to believe that they want to pay you fairly. Some insurance adjusters do. Others simply want to pay as little as possible. Even adjusters who "want" to pay you fairly may have a different view of what is fair than your own attorney would. Obviously, if you try to resolve your case without an attorney you have to ultimately talk to the adjuster. In general I believe you will net more for your case if you hire an attorney from the outset or as soon as possible.

Your insurance company has a duty to cooperate clause in your policy. This means if you do not honestly answer questions they can try to deny coverage. Nurses primarily want to know about your health so they can evaluate the medical issues in the case and perhaps recommend treatment to help you recover. The fact that some information may hurt your claim is part of the process. You have to speak to them. You do not have to answer all questions they ask.

I would avoid speaking to them other than to just schedule an appointment. I would recommend hiring an attorney so you don't have to speak to them.

Insurance companies look out for themselves. You don't provide enough facts to determine the nature and cause of your injury and the reason for talking with insurance company. If you have been injured due to someone else's fault and it's their insurance company trying to contact you, you need to speak with a personal injury attorney to evaluate your case.

That is how many attorneys feel about nurse case managers. You would have to judge your self based on whatever experience you have had.

It depends on what insurance company you are referring to and the circumstances of your case. If you were involved in an auto accident and you are referring to your auto insurance, I would not speak with them.

Insurance companies and their employees are not on your side. So you need to be careful and have your attorney handle same.

It really depends on the nature of your claim, and why they need more information. Insurance companies do have a right to conduct an investigation before paying a claim, and if you don't cooperate they could deny the claim. I suggest you talk to a lawyer in your area who can help you determine what to do under your specific circumstances.

I suggest that you speak to your attorney. He or she should have a copy, because you provided it, of the policy. The policy may impose requirements respecting some level of cooperation.

There is some truth to it so be careful what you say she can't help you unless you speak with her.

You must generally cooperate with them, but you can ask to meet with your doctor alone and prohibit the nurse case manager from talking directly with your doctor. Ask her to do all communication by mail, with a copy to you of all correspondence. Let the doctor's office know your wishes too.