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Car Accident Compensation- Don’t Say These 5 Things to Insurance Companies

On Behalf of | Feb 10, 2015 | Car Accidents |

Being in an auto accident is one of the most stressful things that can happen to even the most experienced drivers. No matter how defensively you drive, some accidents are unavoidable. Getting in an accident is traumatizing enough, but going through the claim process to get car accident compensation from your insurance companies can often be just as stressful as the accident itself. This article will list and explain five things that you should avoid saying to insurance companies so that you will have the best chance of getting your rightful compensation. #1 “I’m sorry- It’s my fault.” When adrenaline is high and your blood is pumping, you can easily say things that you don’t mean. It is understandable (and expected) for you to be emotionally distraught after a car accident–even if it was not your fault. However, you would be wise to refrain from confiding in car insurance companies to lean on them for support. Car insurance companies are not your friend, and anything you say to them could be used to reduce or eliminate your car accident compensation. In fact, anything you say at the scene of the accident can be misconstrued as admitting fault. #2 I’m not hurt Again, adrenaline is a powerful thing. When we experience a highly stressful event, our bodies naturally release endorphins, such as adrenaline, which can mask pain. Sometimes, pain may not surface until the day after the accident. Therefore, you are not sincerely in a position to tell car insurance companies whether or not you are hurt- instead, you might tell them you are seeing a doctor and that you will keep them informed. If you say that you were not hurt at the scene of the accident, but then later you are in pain and need treatment, you may not be able to be compensated because it could seem as if you are fabricating an injury. #3 “Whiplash” Along the same lines, be aware of the power of the word “whiplash.” This is a trigger word for insurance companies to scrutinize you case very closely–causing unnecessary delays. It is likely a good idea to consult a doctor and perhaps a lawyer before you speak to any insurance company about your injuries. This will give you the best chance to get adequate and appropriate car accident compensation for your injuries. #4 Specific distances/speeds When explaining the details of an accident to insurance providers, the agent will likely prompt you to give them exact (or estimated) distances, speeds, etc. of your vehicle and other vehicles involved. It is unrealistic for you to know this information. Do not guess! Insurance companies will begrudgingly hold you to these guesses. #5 I don’t have a lawyer Finally, one thing you never want to say to a car insurance company is “I don’t have a lawyer.” This is especially true if you are injured. Insurance companies will take your case more seriously if they know you have a lawyer on your side. Lawyers know the policies, procedures, and laws that the insurance companies must follow. Therefore, your car insurance company would be hard-pressed to find a way to wiggle its way out of giving you the car accident compensation you deserve. Final Thoughts Knowing what you should and should not say to car insurance companies can be confusing. If you are injured in a car accident, you probably cannot afford to have something you say taken out of context. For peace of mind’s sake, if you are injured in an accident, it is best to consult a lawyer you can trust.