Guam · 6 min read · Published Jun 2025 · Last updated Jun 2026
Dealing with Insurance After a Guam Car Accident
Dealing with insurance companies after a Guam car accident is one of the most important — and most mishandled — parts of the claims process. Insurance adjusters are trained to minimize payouts. This guide tells you exactly what to do, what to say, and what to avoid when dealing with insurance after a Guam car accident.
Guam's Auto Insurance Requirements
This educational organizer helps users prepare records and questions for attorney review. It does not provide legal advice or predict a result. These minimums are often insufficient for serious injuries. Uninsured motorist (UM) and underinsured motorist (UIM) coverage is available and strongly recommended — Guam has a significant number of uninsured drivers. Your insurer must offer UM/UIM coverage, though you can decline it in writing.
What to Say (and Not Say) to Insurance Adjusters
When the other driver's insurer calls: be polite but brief. Provide your name, contact information, and the date and location of the accident. Do NOT give a recorded statement, admit fault, speculate about your injuries, or say 'I'm fine.' Everything you say is recorded and will be used to minimize your claim. You are not legally required to give a recorded statement to the other driver's insurer. Politely decline and say your attorney will be in touch. Even your own insurer's adjuster is not necessarily on your side — they have a financial interest in minimizing your claim.
How the Claims Process Works on Guam
A licensed attorney can review the facts, evidence, coverage, and applicable law for an individual matter. Guam's statute of limitations is 2 years (7 GCA § 11306(a)).
When to Get an Attorney
A licensed attorney can review the facts, evidence, coverage, and applicable law for an individual matter. No fees or case costs unless there's a recovery. No fees or case costs unless there's a recovery.
Key Takeaways
- This educational organizer helps users prepare records and questions for attorney review. It does not provide legal advice or predict a result.
- Do not give a recorded statement to the other driver's insurer without an attorney
- UM/UIM coverage is critical on Guam — many drivers carry minimum or no insurance
- Do not accept a settlement until you reach maximum medical improvement (MMI)
- Your own insurer is not necessarily on your side — they have financial interests too
- Guam's statute of limitations is 2 years (7 GCA § 11306(a))
Frequently Asked Questions
Do I have to give a recorded statement to the insurance company?
You are not legally required to give a recorded statement to the other driver's insurance company. You should decline politely and tell them your attorney will be in touch. You may have a contractual obligation to cooperate with your own insurer, but even then, you have the right to have an attorney present.
How long does a Guam car accident insurance claim take?
Simple property damage claims may resolve in weeks. Injury claims typically take months to years depending on the severity of injuries, liability disputes, and whether a lawsuit is necessary. A licensed attorney can review the facts, evidence, coverage, and applicable law for an individual matter.
What if the other driver's insurance denies my claim?
A denial is not the end. Your attorney can challenge the denial with additional evidence, file a lawsuit in Guam Superior Court, or pursue your own UM/UIM coverage if the other driver was uninsured or underinsured. Insurance companies deny claims hoping victims will give up — an attorney can fight back effectively.