Insurance adjusters have one primary purpose in mind: to pay out as little money as possible, whether to you or to someone else.
After a car accident, the insurance company for the at-fault driver will contact you. They typically ask for a few minutes of your time to acquire some information about the crash and assist you in getting paid. They will appear pleasant, kind, and willing to assist. However, that is not the case. Usually, the insurance company has trained this person to do everything to serve their employer’s interests, not yours. In a nutshell, they aren’t your friends.
Avoid These Statements After a Car Accident
Every word you speak to a car insurance company after a crash could negatively impact the worth of your claim. Your words can significantly hinder your ability to get adequate compensation for your injuries and other losses connected to the accident. Even the most innocent of words can be used against you to save the insurer some money.
Read on to shed light on some of the things you should never utter when communicating with a car insurance company after a wreck.
1. I Am Not Hurt
Some injuries take days, weeks, or months to show up. Internal bleeding, head trauma, whiplash, and PTSD are some of the common examples.
After an accident, many people are understandably eager to get back to their regular lives. As a result, accident victims downplay the accident, deny any pain, and claim to be okay, while in reality, they are not. It is always advised that accident victims see a doctor and disclose all symptoms. This is because physicians will know what to look for when detecting invisible injuries.
Additionally, insurers will most certainly use a victim’s statement that they are fine against them if they later claim to be injured. This may delay or prevent victims from receiving compensation.
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2. Some Fault Is Mine
People may want to admit fault in causing an accident to get the matter over with and carry on with their life, the same way they are quick to downplay their injuries. However, even those who sincerely believe they are liable for an accident may be mistaken. Surveillance footage and eyewitness testimonies may show something different.
Additionally, it’s commonplace that people’s perspectives be skewed after an accident. Never ever accept responsibility because if an insurance adjuster hears an admission of guilt, they may take it at face value and not look into it further. And if you later modify your story, they will be suspicious of you and may suspect you of insurance fraud.
3. I Had the Right-of-Way
Instead of mentioning the traffic lights were in your favor, consider saying you looked at both sides and analyzed your surroundings. It does not matter if traffic signals offer drivers the right-of-way because they are obligated to make sure it is safe to drive at all times.
4. I Did Not See the Other Driver
Motorists do not just appear out of the blue. If another car was speeding, the insurer might be surprised about why you didn’t notice and try to avoid the fast driver. Adjusters are always skeptical of plaintiffs who hyperbolize their representations of what happened rather than sticking to the facts.
5. Anything at All
Your safest bet is to get yourself a personal injury lawyer who can advise you on what to say in a deposition and handle communication for all other matters. Your attorney is the only other party with your best interest at heart.
Additionally, when communicating with adjusters, lawyers know precisely what to say and what to leave out to maximize your final settlement.
Keep Your Mouth Shut
It is better to remain silent until you consult an attorney than to say something that will kill your chances of compensation. Your lawyer can examine the details of the incident, gather evidence to support your claim, and negotiate a settlement on your behalf. Allow a professional to do the heavy lifting while you get back to normalcy.