When speaking with your insurance company after an accident, you should not say you were at fault, even partially, and you should avoid downplaying your injuries. Some symptoms may take time to appear, and any statements suggesting you’re “fine” can weaken your case.
Even casual or seemingly harmless comments, such as apologizing or providing unnecessary details, can be used by insurers to reduce or deny your compensation. To avoid costly mistakes, consult an experienced Kansas City personal injury lawyer who can guide you through the process and protect your rights.
What You Should Avoid Saying to The Insurance Company After an Accident
Here are key things to avoid when speaking with your insurance company about your accident:
- “It Was My Fault”: Never admit fault, even partially, as liability may not yet be clear. Let the responsible party be identified as the investigation unfolds.
- “I’m Not Hurt” or “I Feel Fine“: Some injuries, such as soft tissue damage or internal bleeding, may not be immediately apparent. Saying you’re uninjured can weaken your case if symptoms, like whiplash or a head injury, appear later.
- Speculative Statements: When talking to the insurance company after an accident, avoid guessing about details like speed, timing, or what caused the accident. Stick to the facts and avoid saying “I think” or “I assume.”
- Inconsistent Statements: Ensure that all of your statements align with the facts of the accident. Contradictory details can damage your credibility and your case for compensation.
- “You Can Record This Call“: You are not required to allow the insurance company to record your conversation. Since recorded statements can be used against you later, it’s best not to give consent when asked for it.
- Apologies: While apologizing may feel polite, it can be interpreted as an admission of guilt. Avoid statements like “I’m sorry this happened” so that you don’t implicate yourself by accident.
- Details About Your Injuries or Medical History: Avoid providing detailed accounts of your injuries or discussing prior medical conditions without consulting an attorney.
How to Handle Communications With Insurance Companies
To protect your claim, follow these tips when communicating with your insurer:
- Stick to basic facts, such as the date, time, and location of the accident.
- Do not offer opinions or elaborate on unnecessary details.
- Politely decline recorded statements until you’ve spoken with a lawyer.
- Document all conversations, including the name of the representative and what was discussed.
Contact our Kansas city personal injury lawyers now.
Isn’t My Insurance Company on My Side?
It’s a common misconception that your insurance company is entirely on your side. While they may provide coverage for accidents, their primary goal is to protect their bottom line. Insurance companies are for-profit businesses, which means they often prioritize minimizing payouts over maximizing your compensation.
Even your own insurer may:
- Downplay the Value of Your Claim: They might offer a lower settlement than what your damages are worth.
- Use Your Statements Against You: Anything you say can be used to reduce or deny your claim.
- Delay the Process: Insurers may drag out the claims process in the hope that you’ll accept a lower offer out of frustration.
This doesn’t mean your insurance company is your adversary, but it’s important to approach all communications cautiously. Consulting an experienced attorney can help ensure your rights are protected.
Can a Lawyer Help Me Talk to the Insurance Company?
Absolutely. A lawyer is an invaluable resource when dealing with insurance companies after an accident. Insurance adjusters are trained to minimize payouts, and without proper guidance, you may accidentally say something that jeopardizes your claim.
Here’s how a lawyer can help:
- Handle Communication: Your lawyer can speak directly with the insurance company on your behalf, ensuring all statements are accurate and protecting your interests.
- Prevent Costly Mistakes: We can advise you on what to say—and what not to say—to avoid statements that could reduce or deny your compensation.
- Negotiate Fair Settlements: Lawyers understand the tactics insurers use and can push back against lowball offers.
- Gather Evidence: An attorney will build a strong case by collecting documentation, medical records, and other important evidence from your car accident to support your claim.
Having a lawyer by your side means the insurance company will take your claim seriously and gives you a better chance of securing maximum compensation for your losses.
The Importance of Professional Support
Dealing with insurance companies after an accident can be complicated and intimidating. A skilled attorney can level the playing field. We manage communications, prevent missteps, and advocate for the full compensation you’re entitled to.
At Foster Wallace Personal Injury Lawyers, we have over four decades of combined legal experience. Our seasoned team has what it takes to investigate your legal matter and go after the damages you need to move forward with your life.
Contact us today to discuss your case and let us help you achieve a fair resolution.
