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.
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.
That’s why I created a service I’m calling My 5 Point “Accept No Limits” Consultation – it has a real retail value of $299, but because I want to help as many people as I can get the answers they need during times of extreme hardship and difficulty, I’m making a limited number of these available at absolutely no charge. All you need to do is call my office at (417) 883-5886 or Toll Free 1800 345-0535 reserve your spot.
Here are the different elements of what you’ll experience during this in-depth consultation:
- A Real, Live Face-to-Face Meeting. We’ll meet face-to-face to discuss the specific details of your accident and what happened. 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.
- A Comprehensive Situational Assessment. I’ll let you tell your story in your own words – you talk, I listen. As appropriate, I’ll ask questions to help you recall ALL the details – to make sure we both end up with an identical picture of exactly what happened that put you in this situation.
- A Preliminary Documentation Review. I’ll conduct a preliminary review of any supporting documentation you have that’s relevant to the accident and situation – this includes photographs, accident reports, police investigation notes, citations, and any witness statements. In addition, I’ll review information about your accident and injury, which could include repair bills, doctor’s notes, emergency room notes, photographs, X-Ray results and MRI results. In addition, I’ll check to see how your automobile insurance and health insurance factors into your current and potential future situation.
- An Honest and Open Q&A Session. I’ll answer any questions that you may have – such as how medical treatments will get paid for, how long the overall process will take, potential awards from the Insurance company, costs of litigation, and more. I’ll be open, honest, and do everything I can to answer your questions to the best of my ability.
- 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 case. In addition, you’ll walk away with specific suggestions on what I see as your best course of action moving forward.
GUARANTEE: While I can’t guarantee ultimate results, I will guarantee our conversation will provide clear, actionable information that you can use to move forward with confidence knowing you’ve received timely and prudent advice.
More helpful legal information if you have been injured:
- Benefits of Hiring a Personal Injury Attorney
- What to Do if You are Injured in an Accident
- Personal Injury Case Reminders
- Accident Types for Personal Injury Cases
Free Initial Consultation with a Lawyer about your Accident
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