Negotiating with the insurance company after a car accident is one of the most challenging tasks. You must communicate not just with your insurance provider but also, probably, with the other driver’s insurance provider. Neither insurance company is on your side because they are both trying to reduce their vulnerability to a disastrous outcome.
As a result, you have to use extreme caution while interacting with them, especially when talking with the other driver’s insurance provider. The best action is to consult with a knowledgeable attorney from Ladah Law Firm and assign communication to them.
Things you should refrain from saying to the insurance company after an accident
You should not say some things to the insurance company because it may land you in a more complex situation.
- Never admit fault
Never accept blame in any way, no matter how minor. This may seem simple, but it is so important that it needs to be declared immediately. Even if you contributed in some small manner to the accident, admitting fault at the beginning of your case significantly limits your options. This may occur without being aware of it owing to how the adjuster phrased their questions or if you opt not to dispute the claim that you were at fault for the accident. Due to their anxiety and frustration, people may accept fault without even realizing it. The best option is to talk less.
- Do not narrate what happened.
You may be asked about the accident by the adjuster. You must limit what you say to details like the accident’s date, time, and location and perhaps just to the details about which you are sure. Once again, it is OK to admit that you are uncertain of what happened or cannot remember it.
- Never discuss your injuries.
The insurance provider will also want to know if you have any injuries. You should limit your reply to receiving medical attention from a physician or awaiting a medical assessment (assuming you are). You should not talk about your injuries’ severity or the time it will take you to recover from them in specific.
- Never agree to a recorded statement.
The other driver’s insurance can ask you for a recorded statement. Answering “yes” to this request is not recommended. Respectfully and formally decline the request. If they are being forceful, show that you would like to speak with a lawyer about your options before making a recorded statement to anyone.