6 Things You Should Never Tell an Insurer after a Car Crash
Being involved in an accident is scary and confusing. You might want to know how the insurer will evaluate damages and whether your premiums will increase. Before dealing with your insurer, it would help if you sought medical attention, gathered evidence, and composed yourself.
When you are ready to speak to your insurer about the accident, you’ll want to ensure that you are confident and know what to say. Here are some of the things you should never tell your insurer after an accident.
It Was My Fault
Car accident experts advise that you should never admit that the accident was your fault. It is crucial to remember that claim adjusters record everything, and you may unconsciously sabotage your claim as soon as you admit guilt.
Claim adjusters will often bring up surprising facts about the accident. When this happens, be confident and say, “I’ll get back to you.”
I Am Not Injured
It is advisable not to disclose any injuries to your insurance company immediately after an accident. You also should not admit that you are uninjured. Some injuries, such as brain damage or internal bleeding, can take some time before manifesting.
You should never sign medical forms from your insurer without consulting your attorney. It is crucial to be protected without relinquishing your rights.
Do not speak if your statements are not factual. Do not offer any opinions or speculate, because this might hurt your case. When speaking to the claim adjusters, provide facts about the accident and nothing more. You can give details of the following:
- Date of the accident
- Time of the accident
- Damages to your car
You should never give unnecessary details about the accident because it might end up hurting your case.
Do Not Make Statements Immediately After an Accident
You will be confused, shocked, and stressed immediately after an accident. It is not advisable to speak to your insurer under these conditions. You need to be in a good state of mind to tackle the insurance company appropriately.
It is essential to remember that insurance companies are business entities that want to settle for less. When you’re involved in an accident, seek medical attention first, and then find an attorney to advise you about your situation. You can then contact your insurer after these two essential steps.
I Only Need a Certain Amount of Money
It would help if you never were quick to accept an initial settlement offer from your insurer. The insurance company will always try to settle quickly and offer a low figure that is favorable to them. Your attorney should review your case thoroughly to help you understand how you can proceed with it.
The initial offer might not cover your lost wages, emotional damage, or your rising medical bills. Additionally, you might not have considered other expenses that arose after the accident. Do not be quick to quote an amount that you need for the settlement because it could be way off.
According to Laborde Earles, lawyers who represent car Accidents in Cankton, Louisiana, to get a fair settlement, you should initiate a claim as soon as possible, send a detailed demand letter, have a settlement amount in mind and do not accept the first offer, and get everything in writing.
Insurers will never give you the exact amount you need to settle. Your legal team will look at the facts and determine how much settlement is enough. If the insurers won’t offer you an adequate settlement, you may end up in court.
I Don’t Have a Lawyer
Your insurer will be thrilled if they establish that you do not have a lawyer. While you should always state the truth surrounding the accident, you do not have to disclose everything, especially information that could hurt your case.
An attorney will offer sound legal advice about dealing with your insurer, which will help you get the best outcome. If you are involved in an accident, it is essential to speak to an experienced personal injury attorney to help you deal with your insurer.
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