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How To Talk With An Insurance Company
Important Do’s And Don’ts After A Car Accident
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 businesses. As such, you need to be careful about what you say.
At Wyatt Law Firm, we believe that you should consult an attorney before discussing your claims with the insurer. The insurance company starts establishing their case the moment an accident is reported. Our 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 what to say and what 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 age of cell phones and digital advancements, it is easier to document life’s moments – allowing you to collect evidence at the touch of a button. As is the case with any accident, it is important that you take pictures as proof of the damages incurred. After which, you should inform your insurance company about what happened to the automobiles involved and 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.
REPORT SUSPICIOUS 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 can exploit the insurance system. If you believe that you have been involved in a fraudulent accident, inform your own insurance company.
If you experienced physical harm during the crash, make sure your insurance company knows about it. They can incorporate any medical expenses into your claim.
What Not To Tell The Insurance Company
DON’T ADMIT FAULT
Never admit fault to an insurance company. Even if you were at fault, allow your insurance company and attorneys to figure out the details. They can deduce the degree of fault of each party.
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 overshare and just stick to the basic facts.
DO NOT 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 WHIPLASH
Whiplash (neck strain) can be very debilitating. But whiplash has become synonymous with exaggerated injuries and is a term that can make insurance companies question whether your injuries are real. If you have been injured, we advise that you use other adjectives to describe your injuries and to go into as much detail as possible.
DO NOT SIGN ANYTHING
Some insurance companies may try to get you to sign releases or medical statements. Do not do it without first getting the advice of an attorney. The attorney will let you know if you are legally required to do so or not, and whether it is against your best interests.
Let Our San Antonio car 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 car accident lawyers for a free consultation.
Wyatt Law Firm provides aggressive representation for people throughout Texas and the nation, including the cities of Dallas, Houston, San Antonio, Austin, Laredo and Corpus Christi.