Working with an insurance company after an accident might seem easy, but it’s important to contextualize your relationship with the insurance companies that have reached out to you. Although representatives from these companies might seem friendly, they’re really in the business of making money. As a result, insurance companies are often looking for ways to deny a claim, meaning they’re going to put your case under the microscope to see where they can gain an edge.
By being aware, though, you can avoid falling into any traps laid by an insurance company. One way to prepare yourself for interactions with them is to understand what you should and shouldn’t say to them. In this post, we want to look specifically at what you shouldn’t say to an insurance company that’s investigating your claim.
What you shouldn’t say to an insurance company after your accident
With the nervousness that accompanies the claims the process, it’s easy to start talking in-depth about your accident with an insurance company. That’s dangerous, though, which is why you should remember to avoid doing the following when interacting with an insurance company after your wreck:
- Saying anything that could be construed as accepting fault: If you apologize for the accident or state facts in a way that make you look responsible for the accident, then the insurance company is going to latch onto that. The result could be a reduced payout or outright denial of the compensation that you need. So, take your time when formulating your response to questions so that you carefully frame your statements and say exactly what you mean.
- Speculating: You shouldn’t guess at what you think happened in your accident. If you do, the insurance company might use it against you to show that your statements can’t be trusted, especially if there’s other evidence to contradict your speculation. This could jeopardize the viability of your personal injury case. So, only speak as to concrete facts and don’t guess.
- Discussing your injuries: The insurance company is going to want to know about the nature, extent, and severity of your injuries. They’re also going to want to know about your treatment, anticipated care, and your recovery time. You shouldn’t estimate or talk in generalities here. After all, your injuries may prove worse than you thought, but that might not matter if you’ve already locked in a statement with the insurance company. If these questions come up, then, simply indicate that you’re being cared for by your doctor and would prefer to submit medical records and a statement from your treating physician.
- Giving a recorded statement: Again, the insurance company is going to try to pin you down on certain facts and positions, even if you don’t realize it. One way they try to do this is by recording your statements. Don’t allow that to happen.
- Settling too early: You shouldn’t settle for less than your claim is worth. That means you need to know the true value of your claim before discussing settlement Also, avoid verbalizing any acceptance without first analyzing it considering the facts of your case, as doing so could jeopardize your case.
Competently navigate your personal injury case
It can be tricky to step through the insurance claim and personal injury processes. You need a strong plan throughout to ensure that you’re protecting your interests as fully as possible. If you’re unsure about how to do that, don’t worry. You can surround yourself with support to help you competently and confidently get through the process, thereby hopefully positioning yourself for the future that you deserve.