Never Say These Things to an Insurance Company After an Accident

0
15
Car accident at side of road with emergency workers and ambulance; image by Ragesoss, via Wikimedia Commons, CC BY-SA 3.0, no changes.

You should be as honest as possible with insurance companies, but that doesn’t mean you are giving out unwanted information. Trying to be too specific can lead to mistakes, mistakes, and admitting mistakes.

Filing a car accident lawsuit is a little tricky, so avoid saying certain things to an insurance company. You must report the details of the accident, but you should avoid talking about your injuries or who was responsible for the accident. It is always best to discuss the details of your case with an attorney who can advise you on what to convey to the insurance company.

Experts also recommend avoiding any contact with the other party’s insurance company, but you are likely required by law to report most accidents involving personal injury or property damage by third parties to your own insurance company. Briefly report the facts without expressing your opinion.

Things to Avoid Telling an Insurer

Many people have fully comprehensive insurance, but that doesn’t mean you should willingly give all the details to your own insurance company. You likely aren’t qualified to discuss your injuries and the long-term prospects for medical and rehabilitation costs.

Emergency department; Image courtesy of paulbr75 via Pixabay, www.pixabay.com

Insurance companies are often quick to make a lowball offer, but determining the actual expenses and damages is best left to seasoned experts. The following information or opinions should not be discussed with an insurance company:

  • Avoid instant notifications. Notifying your insurance company immediately after an accident is a common choice as drivers are concerned about their health, their cars and their injuries. However, this could be a mistake. After an accident, the driver and passengers may be in shock and stress. This is not a good time to make important decisions that could affect your financial well-being. Insurance companies want to get up and running quickly and as cheaply as possible, but you need to consider your health and financial security.
  • Never admit a mistake. The accident is usually investigated by the insurance company, police and lawyers from both parties. With the help of measurements and other specific data, the adjusters can determine who was to blame. There is simply no benefit in admitting mistakes. The truth will likely become obvious. You may not even know the true cause of the accident and there may be extenuating circumstances that affect liability.
  • Don’t tell an insurer that you haven’t been injured. Many injuries do not occur immediately after an accident. These types of injuries often include back, spine, and neck injuries. Internal injuries seldom produce immediate symptoms. Whiplash is a specific type of injury that often occurs later. Telling an insurance company that you were unharmed is generally a mistake. After an accident, you are entitled to a medical examination for possible injuries and you can admit that you see a doctor. You shouldn’t lie to insurance companies, but you should avoid discussing injuries based on your own opinions. Get a medical exam and diagnosis from a personal injury attorney.
  • Avoid making an official statement or signing any paperwork. Insurance companies can put pressure on you to agree to a deal for a quick turnaround. Making an official statement or agreeing to an agreement can destroy your chances of reaching a fair settlement for all of your injuries.
  • Do not provide seemingly innocuous information to insurance companies. It is not recommended to give them the names and contact information of relatives. Insurance companies often interview relatives to determine if you have symptoms of injury or continue to engage in aggressive physical activity. Avoid giving insurance companies information about doctors, family members, and close friends.
  • Do not guess or estimate your injuries. If you don’t know the answer to an insurance company question, admit you don’t know. Don’t lie or exaggerate, but there is nothing wrong with saying, “I don’t know yet.”

You should be as honest as possible with insurance companies, but that doesn’t mean you are giving out unwanted information. Trying to be too specific can lead to mistakes, mistakes, and admitting mistakes.

Hire someone to work for you

Since the insurance company representatives aren’t your friends, hiring a skilled personal injury attorney is crucial, even if you feel like you’ve just got away with bruising from a fender bender. Personal injury attorneys have the experience, inside knowledge, and expertise to ensure you are getting the compensation you deserve.

Lawyers look at things you don’t like, recurring medical expenses, lost wages, property damage, loss of earning potential and loss of zest for life, and fight with the parties responsible for your injuries (and their insurers) for fair compensation.