The moments following a car accident are overwhelming. Between medical appointments, vehicle repairs, and mounting paperwork, the last thing you need is the added pressure of fielding calls from insurance adjusters.
Yet, these calls will come, and what you say during these conversations can significantly impact your ability to receive fair compensation for your injuries and damages.
Insurance adjusters may sound friendly and concerned about your wellbeing, but their primary goal is to minimize the insurance company’s financial liability.
Their training specifically prepares them to extract statements that could potentially devalue or deny your claim.
While a car accident attorney can help protect your interests during these challenging conversations, it’s crucial to understand what statements to avoid if you find yourself speaking to an adjuster.
Here are the five statements that could seriously damage your accident claim:
- “I’m Sorry” or Any Admission of Fault Even a simple, polite “I’m sorry” can be interpreted as an admission of fault. Many people naturally apologize after an accident, even when they’re not at fault – it’s a common human response to a stressful situation. However, insurance companies can twist these well-meaning words into an admission of liability. Instead of apologizing, stick to exchanging basic information and reporting just the facts of what happened.
- “I’m Not Injured” or “I Feel Fine” Never tell an insurance adjuster you’re uninjured, even if you feel fine immediately after the accident. Many serious injuries, including whiplash, concussions, and soft tissue damage, may not show symptoms for hours or even days after the collision. The adrenaline rushing through your body can mask pain and injury symptoms. Instead, say something like, “I’m still being evaluated by medical professionals” or “I need time to understand the full extent of my injuries.”
- “I Think” or “I’m Not Sure” Speculation about the accident can severely damage your claim. If you’re unsure about certain details, it’s better to say, “I need to review my records” or “That information is in the police report.” Insurance adjusters may try to get you to guess about speeds, distances, or timing – don’t fall for it. Uncertain statements can be used to question your credibility or dispute your version of events.
- “Yes, You Can Record This Conversation” Never agree to provide a recorded statement without legal representation. Insurance adjusters are skilled at asking questions in ways that may prompt damaging responses. They can take statements out of context or use them to dispute your claim later. If asked for a recorded statement, politely decline and say you’ll provide a written statement after speaking with your attorney.
- “I Accept Your Offer” Early settlement offers are almost always far less than what your claim is worth. Insurance companies often make quick, lowball offers before you understand the full extent of your injuries and damages. Remember, you can’t request additional compensation once you’ve accepted a settlement. Future medical expenses, lost wages, and long-term complications need to be considered before accepting any offer.
Protecting Your Rights
The best way to communicate with insurance adjusters is to stick to the basic facts. Don’t volunteer additional information, and don’t engage in casual conversation that could be used against you.
Document every interaction, including the date, time, and name of the person you spoke with. Request that all communication be in writing whenever possible.
If you’re feeling pressured or uncomfortable during conversations with adjusters, remember that you have the right to say, “I need to speak with my attorney before answering any questions.
” This simple statement can protect you from making costly mistakes during the claims process.
Remember these key points when dealing with insurance adjusters:
- Stick to basic facts about the accident
- Avoid speculating or guessing about details
- Don’t agree to recorded statements
- Get all offers and communications in writing
- Consider seeking legal representation before accepting any settlement
By being cautious in your communications with insurance adjusters, you protect your right to fair compensation for your injuries and damages.
If you’re uncertain about handling these conversations, consulting with a personal injury attorney can help ensure your rights are protected throughout the claims process.
Taking the time to carefully consider your responses and seek professional guidance when needed can make the difference between a fair settlement and one that leaves you with uncovered expenses and regrets.
