Car accidents are stressful events, and dealing with insurance adjusters can add to that stress. While it’s important to communicate with them, certain statements can negatively impact your claim. There are several things you shouldn’t say to an insurance adjuster after a car accident.
Admitting fault
Never admit fault for the accident, even if you think you were responsible. Determining fault requires gathering evidence and testimonies. Admitting fault jeopardizes your claim and reduces the compensation you may receive.
Speculating about injuries
Avoid speculating about your injuries or the extent of damage. Injuries may not be immediately apparent and can worsen over time. Let medical professionals assess and document your condition instead.
Saying you’re fine might seem polite, but it can work against you later. Some injuries, like whiplash or internal injuries, might not be immediately obvious.
Guessing details
When asked for details about the accident, avoid guessing. If you’re unsure about something, say you don’t know or don’t remember. Providing inaccurate information harms your credibility and your claim.
Providing a recorded statement
Insurance adjusters may ask for a recorded statement about the accident. Avoid this unless you’re fully prepared and confident in your account of the events. Recorded statements can reveal inconsistencies and weaken your claim.
Downplaying damage
Don’t downplay the damage to your vehicle or property. Even if the damage seems minor, get a professional assessment. What might appear to be a small issue could turn into a costly repair.
Discussing your personal life and providing too much information
Insurance adjusters might ask questions about your personal life to gather more information. Stick to the facts of the accident and avoid divulging unnecessary personal details. Oversharing gives the adjuster more opportunities to find reasons to reduce or deny your claim. Keep your answers concise and focused on the car accident case.
Saying “I don’t have a lawyer”
Even if you haven’t hired a lawyer yet, avoid mentioning this to the adjuster. They might use this information to take advantage of your lack of legal representation. Insurance companies know that individuals without legal representation may not fully understand their rights or the value of their claims, making it easier to offer lower settlements.
Navigating conversations with insurance adjusters
Communicating with insurance adjusters after a car accident can be tricky. Mindful communication protects your claim and ensures you receive the compensation you deserve. Stay calm, provide accurate information, and let the professionals handle the rest.