If you suffer a car accident, you will need to report the incident to your insurance company. However, you should be careful when communicating with adjusters or any representatives of the firm.
These professionals are there to assess claims, and what you say can significantly impact the outcome of your case. To reduce the chances of jeopardizing your fair compensation, consider four things to avoid discussing when talking to an insurer.
1. Avoid admitting fault
When engaging with an insurance adjuster, refrain from offering apologies or admitting any degree of responsibility. Saying “sorry” or acknowledging partial blame might compromise your payout, even if you do not share any fault with others involved. Choose your words carefully to safeguard your right to full compensation.
2. Do not downplay personal injuries
The Federal Highway Administration reports that after a sharp decline in Tennessee car accidents with serious injuries in 2018, such crashes are on the rise again. While it may be tempting to minimize injuries to appear resilient or avoid appearing dramatic, present a balanced assessment of your wounds.
Acknowledge all injuries, even if they seem minor initially. Certain injuries may not manifest their full impact immediately, and understating them early on can hinder your ability to seek compensation for their actual consequences.
At the same time, avoid providing comprehensive descriptions of your injuries directly to the insurance adjuster. Instead, direct the person to your medical records or any official documentation from health care providers. Sharing too much information about your injuries may provide the insurance company with an opportunity to question the severity or legitimacy of your claims.
3. Do not speculate about the accident
When recounting the accident, stick to the facts you directly experienced. Also, avoid guessing about what happened.
Providing uncertain information can lead to misunderstandings and potentially harm your case. If you are unsure about certain details, you do not have to comment on them.
4. Decline recorded statements
Reject requests to record your statements. A recorded statement may capture unintended nuances or errors that an insurance company or defendant could use against you.
Be aware that the company likely records all phone calls as a standard business practice, so if you must speak over the phone, be particularly cautious. When possible, opt for providing a written statement, which gives you more control over your words.
Mindful communication with insurance adjusters can help you have a successful car accident claim. Steering clear of these pitfalls goes a long way toward protecting your interests and increasing your chances of receiving fair compensation for your injuries and damages.