Getting into a car accident is stressful enough, dealing with insurance adjusters afterward can make things even worse. While they may sound polite and helpful on the phone, insurance adjusters work for the insurance company, not for you. That is why it is so important to know what to say and more importantly, what not to say when speaking with them. If you are injured in a crash, it is a smart move to seek help from a car accident lawyer before having any detailed conversations with insurers. Some common mistakes to avoid when talking to an insurance adjuster after a crash:
- Admitting Fault
Even when you think you might have played a part in the accident, do not admit fault. The facts of the accident need to be fully investigated before any conclusions are made. Something as simple as saying “I am sorry” can be twisted to imply liability. Stick to the facts without guessing or assigning blame.
- Giving a Recorded Statement Without Legal Advice
Adjusters might ask for a recorded statement under the pretense of “getting your side of the story.” But once it is recorded, anything you say can be used to reduce or deny your claim. Politely decline and let them know that you will provide information after speaking with your attorney. You are not legally obligated to give a recorded statement without legal counsel.
- Speculating About Injuries
Injuries like whiplash or soft tissue damage do not show symptoms right away. If you say “I am fine” only to discover pain days later, it can damage your case. Always say you are seeking medical evaluation, and let your healthcare provider document any injuries.
- Accepting the First Settlement Offer
Insurance companies may offer a quick settlement soon after the accident, especially if they think you are not represented. While it might seem tempting, initial offers are usually much lower than what your claim is truly worth. Once you accept and sign, you waive your right to pursue additional compensation even if new injuries surface later.
- Providing Too Much Personal Information
You are only required to share basic details like your name, contact information, and policy number. Therefore, avoid discussing your job, income, daily routine, or medical history unless advised to do so by your attorney. The more information they have, the more they can twist it against you.
- Believing the Adjuster Is on Your Side
It is worth repeating that insurance adjusters are trained to minimize payouts. They may act friendly and understanding, but their main goal is to protect the company’s finances.
Conclusion
When it comes to speaking with insurance adjusters, less is often more. By being careful with your words and knowing your rights, you can avoid the pitfalls that reduce or jeopardize your claim. Better yet, consider getting legal representation as a qualified attorney can speak to the insurance company on your behalf. That way, you can focus on healing while they focus on protecting your interests.
