When you are involved in a car accident, it can be difficult to think clearly. With the chaos of surveying damage, exchanging information, and reeling from what happened, it can be difficult to know the proper thing to do or say. One thing that you are required to do is alert your insurance company. However, although we would like to think that the insurance companies are out for our best interests, they are still a business. As such, you need to be careful about what you say.
At Wyatt Law Firm, we believe that you should have an attorney present when discussing your claims. The insurance company starts establishing their case the moment an accident is reported. Our San Antonio car accident attorneys will inform you of your legal rights and help you build a case that benefits you.
An insurance claim adjuster might contact you before you have a chance to talk to your lawyer. Without knowing it, you may say things that can be used against your case. This is why we have listed the things to say and not to say to the insurance company after an accident.
Things To Tell The Insurance Company
You should tell your insurance company what happened, including the location, time, and weather conditions. You want to make sure to accurately recreate the scene for them. You also want to tell them, to the best of your abilities, what events transpired that led to the accident.
Report the Damage
In the ages of cell phones and digital advancements, it is easy to document life's moments. It is important that you take pictures as proof of the damages incurred. You must then let the insurance company know what happened to the automobiles involved, what harm was done.
You are required to exchange insurance information when you are involved in a car accident. You should submit the information the other driver gives you to your insurance company.
Note fraudulent Accidents
Car accidents are usually just that: accidents. However, there are times when an individual purposely gets into an accident to put you at fault so that they could exploit the insurance system. If you believe this is the case, inform your own insurance company.
If you experienced physical harm or ailment during the crash, make sure your insurance company knows about it. They can incorporate any medical expenses into your claim.
Things not to tell the insurance company
Don't admit fault
Never admit fault to an insurance company. Even if it is your fault, allow your insurance company and attorneys figure out the details. They can deduct the degree of fault each party has.
Don't state Your opinions
The insurance company is more interested in the facts. Often our perception of events can get skewed during such traumatic scenarios. If it saves them money, the insurance company might use your opinions against you. That is why it is recommended that you don't over share and simply give the basic facts.
Don't give a recorded statement
Never consent to a recorded statement. You are not required to submit one. If you do, what you say may be used against you later.
Don't use the phrase "Wiplash"
Whiplash has become synonymous with exaggerated injuries. The term sets off alarms to insurance companies, making them question whether the injuries are real. If you have been injured, use other adjectives to describe them and go into as much detail as you can.
Don't sign anything
Some insurance companies may get you to sign releases or medical statements. Do not do it without your attorney present. They will let you know if you are legally required to do so or not.
Let Our San antonio care accident attorneys help you
At Wyatt Law Firm, we know that car collisions can be traumatic experiences. We don't want insurance companies to take advantage of your vulnerable state. Contact our San Antonio car accident lawyers for a free consultation.