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What questions do insurance companies ask after an accident? Have you been in an auto accident?  If you have, you will will receive a call from the insurance company.  The insurance company will ask questions regarding the accident?

Insurance companies make their money by collecting premiums.  The more money they pay out in claims, the smaller their profits are.  The are hundreds of stories about bonuses to adjusters who are able to low ball claims.  This process starts from the first call after you report your accident.


So what questions do insurance companies ask after an accident? This first call is a recorded statement.  Their questions will likely include:

  • Where did the accident occur?
  • What time did the accident occur?
  • How did the accident happen?
  • What direction were you heading?
  • Who was involved in the accident?
  • Did you have any passengers in your vehicle?
  • What caused the accident?
  • Who do you believe was at fault?
  • Were there any injuries resulting from the accident?
  • Were there any witnesses who saw the accident?
  • Is there an accident report?
  • Did an ambulance come to the scene of the accident?
  • Where was the damage on each vehicle?

There may be more questions depending upon how the accident happened.  You need to understand these questions. If so, you will be fine in your recorded statement.

Before the Call

Before the call, make sure that you do not sign any paperwork with the insurance.  Go over the questions with your personal injury attorney.  Take the phone call with a person from the law firm present.  This will make sure that the adjuster does not attempt to give you leading questions that could distort the facts.


If you have been involved in an accident you will do a recorded statement.  Each step of the way must be handled properly to maximize your settlement.