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Things to know before talking to an insurer after an accident

On Behalf of | Jan 15, 2024 | Auto Accident

Car accidents are often sudden and unpredictable, leaving individuals feeling shaken and vulnerable. As such, it is not uncommon for accident survivors to feel pressured or overwhelmed when communicating with insurance adjusters.

For this reason, you should be mindful of what you say and what you do not say to insurance companies after a car accident, as it can affect your claim.

Why you should be careful with your words

Although insurance companies present themselves as friendly faces, offering support and assistance in difficult times, consumers should remember that these companies’ primary goal is to maximize profits, which means paying out as little as possible in claims. Clearly, these firms are succeeding at this, as their total revenue in the United States recently passed over $350 billion.

When speaking with insurance providers after an accident, remember that anything you say can be evidence against you in future litigation. Statements you make about the cause of the accident, your own condition or other factors relating to the crash can be statements the insurer uses to dispute your claim for compensation.

What you have to say

If you are in a car accident, there is certain information that you must share with your or the other driver’s insurance provider. This includes your name and the names of other individuals who were parties to the crash, as well as the date, time and location of the collision.

You should also share the make and model of all involved vehicles and the insurance companies of the other people in the incident. Insurers must have this information to assess the details of the crash and determine liability for the accident.

Things to avoid saying to protect your case

While you must share necessary information with insurance companies, there are certain things that you should avoid saying that may compromise your case. First, avoid admitting fault or suggesting blame for the accident. Even a simple statement like “I am sorry” could become supposed evidence of liability.

Additionally, do not discuss your injuries or speculate about any potential medical conditions that may have resulted from the accident. Finally, do not offer any recorded statements.

Car accidents are stressful and traumatic events that can have serious implications for your physical and financial health. While insurance companies may present themselves as your allies, remember that their bottom line is profit-driven. Therefore, be mindful of what you say when communicating with insurance providers after an accident.