The insurance company is one of the parties you might involve in your car accident claim. As a victim, you will, at some point, interact with the insurance adjuster. However, you should interact with them carefully and mind your words. Actually, your interaction with them might significantly affect your case or determine how the insurer handles your claim. Most insurance adjusters want to gather as much information as possible from the claimant. They can then use the information obtained to either reduce the claim or deny it. So it would help if you were careful with what you tell the adjuster. Where possible, here are three statements you should avoid when talking to the insurance adjuster.
Most insurance adjusters will be looking for any fault in your statements. When you say "I think," the adjuster assumes you aren't sure what you are saying. Usually, most insurance adjusters are happy when you are unsure of something because they can twist your case. As a result, they may consider your opinions unreliable and inadequate to support your claim. So you should always answer their questions or give opinions authoritatively. You should also have concrete evidence or facts to support your statements. But just in case you are unsure of something, keep quiet and refer the adjuster to your auto accident attorney. What you say and how you say it can significantly contribute to the low settlement you get.
"I Wasn't Hurt"
Telling the insurance adjuster that you weren't hurt in the accident can be a big mistake. Even if you are unsure whether you were injured, you should insist on seeking medication. It's wrong to say you weren't hurt just because some injuries aren't apparent. The increased adrenaline released after the accident could also mask pain, making you assume you escaped unhurt. So when you say you didn't sustain any injuries, you may get it rough when you later file a claim. The adjuster may argue that the accident has nothing to do with the injuries you seek compensation for.
"I Never Intended to Cause the Accident"
By saying you never intended to cause the accident or were distracted, you affirm to the adjuster that you were at fault. You shouldn't admit fault, even if you know you are to blame. You should instead let your auto accident attorney know how the accident occurred and how you contributed to it. The attorney will then decide whether you should admit fault and apologize and advise on how you do it. But in most cases, the lawyer will find ways to defend you and make the other party liable.
Seek advice from a lawyer at a firm like The Radmore Law Firm.