If you have been in an accident of any kind, you'll likely need your insurance company to help your pay the bills related to injuries and car or motorcycle repair. If you want to maximize the amount an insurance company will pay you after an accident, you need to know the 8 things you shouldn't say to your insurance company.

1 – Anything immediately after the accident
The insurance company is not your friend and shouldn't be on your list of the first people to notify that you have been in an accident. Immediately after an accident you may be overwhelmed, scared, or even angry and it can influence what you remember and how you say it. If you are injured, go to the hospital. Worry about your injuries not the insurance company. There is plenty of time to call your insurance company later—after you have read through the rest of this list.

2 – "In my opinion…" "I think…"
Don't guess or estimate anything. Unless you were staring at the speedometer at the time of the accident (maybe you were and that is why you wrecked), you don't really know at what speed you were traveling. Unless you measured the distance you were from that other car, you don't really know—so don't guess. What you say to the insurance adjuster could be used by against you by implying that you were traveling too fast or should have had enough time to stop. The adjuster will ask questions several times and in several ways wanting you to make an estimation. Just supply the facts that you know.

3 – "It was my fault." "I'm sorry."
Don't say you did something you shouldn't have or apologize for anything. Even if you were at fault, the other driver maybe has equal blame or is even more at fault for causing the accident. This goes for what you tell the police or the other driver right after the accident too. What you say can be used against you later.

4 – An official statement
You have no obligation to supply the insurance company with a recorded statement, even though they will surely ask for one. Like everything else you tell an insurance company, what you say can be distorted or taken out of context and used against you and having it recorded makes it harder to correct later. See more about giving recorded statements to insurance companies.

What NOT To Say - Arkansas Attorney Personal Injury - Krebs Law Office

5 – "I'm not hurt."
Some injuries may take time to manifest. You may not be bleeding noticeably after an accident, but may develop bruising later. Or, your neck or back may not start hurting until the next day after the adrenalin from the initial shock has subsided. When you feel pain you need to go to the doctor so the cause of your pain can be investigated and documented. Don't sign a medical release from the insurance company until after speaking with a personal injury attorney. See #8 below.

6 – Family, friends, and/or doctor's names
Do not give out any information about your family. Do not give out the names of your doctors. The insurance company may then contact them for more information about you, about what you told them, about your past, etc. You don't need your personal life invaded and it isn't required or necessary that the insurance company know these things.

7 – "I accept your offer."
Many accident victims are not fully aware of the value of their claim and jump at the first offer made to them. Remember, the insurance company is trying to 1) pay you as little as possible and 2) close the case as fast as possible. To get the best possible offer, see point #8.

8 - "I don't have a lawyer."
Hiring an experienced accident attorney personal injury will make the insurance company give your claim more respect and attention. An attorney can use the details of the law to push the insurance company into doing what is right. By knowing how to calculate and prove both immediate and future damages of your injuries and expenses like: medical bills, time missed from work (both now and future), loss of earning potential, impact of an injury on your lifestyle, pain and suffering and any other out-of-pocket expenses you may have incurred as a result of being involved in an accident, an attorney can help you get the maximum benefit you are owed. Read more about how an experienced accident attorney can help you.

All of the above can make you wonder what you can say to an insurance company. You can tell the truth and you should never lie, but just like how a CPA can get you a better tax refund from the IRS than you can alone, an attorney can help you navigate the system and get you a better settlement from an insurance company.


The first thing you should do is get my Free Book before you speak with anyone from the other driver's insurance company.

  • Here’s just a taste of what you’ll discover when you open the pages of this book:
  • How to properly handle inquiries from the insurance company… it’s sad, but being a “nice guy” and answering “a few simple questions” can cost you dearly!
  • Keys to determining just how much your case is worth – the many different factors that can literally mean thousands, if not tens, even hundreds, of thousands of dollars.
  • 8 ways to make sure any lawyer you choose to represent you can make the most effective arguments on your behalf.
  • DANGERS of Facebook, Twitter, Pinterest – the key mistakes you do NOT want to make on Social Media immediately after your accident and while your case is being settled.
  • What to do if the insurance company offers to pay your medical bills… do NOT just jump at the chance, it could well be a big WARNING sign going off!
  • 6 common mistakes you do NOT want to make that could negatively affect your case in a big way.

The Ultimate Insiders Guide To Protecting Your Rights

Let me send you a Free Book BEFORE you speak to an Insurance Adjuster or other attorney.

Ordering this information does not create an attorney-client relationship.

WHY AM I GIVING THIS AWAY?

I'm tired of seeing good people being short changed by lawyers with clever advertising who are giving a bad name to great attorneys who are true advocates for the clients. We want to show you how you can find the best attorney for your case at no additional expense to you. We hate to see insurance companies take advantage of consumers who don’t know better.

AM I JUST OUT FOR YOUR BUSINESS?

Absolutely not. This is not a solicitation for your personal injury lawsuit. We spend a lot of time speaking with and giving guidance to people who contact our firm for general advice and guidance in personal injury cases. This free book is simply a way for you to get important information to read in the comfort of your home, and without the anxiety that may come with contacting a lawyer directly. Frankly, many times people do not need an attorney, and we tell them why. With our free materials, you should be well armed to determine if you need an attorney, and if so, to find the right attorney to represent you.

This book is for informational purposes only and is not legal advice, as all claims are different and based on the facts of your particular case.

Here are the different elements of what you’ll experience during this in-depth consultation:

1

A Real, Live Face-to-Face Meeting

We’ll meet face-to-face to discuss the specific details of your disability . You won’t be filling out a web-based data entry form, sending an email, sitting on hold waiting for a real human to answer – you and I will sit down in a room and talk things through. We’ll get to know each other the old-fashioned way – where we can share and learn from each other.

2

A Comprehensive Situational Assessment

I’ll let you tell your story in your own words – you talk, I listen.

3

A Preliminary Documentation Review

I’ll conduct a preliminary review of any supporting documentation you have that’s relevant to the situation.

4

An Honest and Open Q&A Session

I’ll answer any questions that you may have. I’ll be open, honest, and do everything I can to answer your questions to the best of my ability.

5

Your Customized “Next Steps to Fairness” Proposal

Finally, after going over your situation, I’ll lay out in clear, easy-to-understand language, what I see as the strengths and weaknesses of your claim. In addition, you’ll walk away with specific suggestions on what I see as your best course of action moving forward.

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