""You are also required not to prejudice your insurance company's right to investigate and defend."
What do you mean by this? Could you explain a little more?"
Basically, anything you say to the delivery guy can be used against you, even an apology or expression of empathy. And if even those might appear harmless you risk getting drawn into a conversation about whose fault it is. Human nature results in talking, talking, talking, in defense of yourself. And the more talking you do the more ammunition you give the injured party.
As a claim rep, were you to call me and ask about contacting the deliver guy, I would say no, stay out of it. I'm the one trained and experienced in talking the necessary legal talk, you aren't.
""And, frankly, I wouldn't be calling the agent, I'd call the claims office of the insurance company that is shown on the front of your policy."
Any reason why?"
In addition to Hearst's comment about agents I would point out three things. 1 - Agents sometimes insert themselves into the claims process and become very annoying. 2 - Agents are concerned with how many claims are being incurred through their office because insurance companies look at their profitability. They might suggest things that an insured might to to avoid reporting the claim. Then the claim rep gets to clean up the mess. 3 - Reporting directly to the insurance company substantially speeds up the process and response time.
- The right of the people
- to keep and bear arms,
- shall not be infringed.