What shouldn’t I say to an insurance adjuster after a crash?
Motor Vehicles Accidents - December 20, 2023
You are in a car accident and know you need to tell the insurance company what your losses are. You are justified in being worried about what to do in this situation simply because there is a lot of risk to your case if you say the wrong thing. Insurance adjusters have the single goal of reducing how much they pay claimants, and saying the wrong thing could put your case at risk. What not to say to an insurance adjuster is not always easy to understand. What do you have to tell them?
As your Chicago car accident lawyer, we want you to know you do not have to say anything. You can contact our legal team and let us handle what is occurring, including answering most of the questions the adjuster may ask, alleviating your risk. Set up a free consultation to speak to us about the case to learn how we can help you. Call Horwitz, Horwitz & Associates at (800) 985-1819 now.
Why do I need to watch what I say to insurance?
The goal in having any of these conversations is never to admit fault or to let the adjuster believe you do not have a claim. That may seem rather simple to do, but insurance adjusters are specially trained to listen for even the most subtle incriminating statement. They may try to twist your words or take things out of context to put pressure on you.
What not to say to an insurance adjuster
When it comes to what not to say to insurance adjuster questions, there are a few key things to keep in mind:
- “I think the accident was partially my fault.” Even if you believe this to be the case, let them research and find that information themselves. Do not offer it up.
- “I’m sorry.” This is an admission of fault in your case and something you want to avoid at all costs.
- “I didn’t even see them!” Saying that means you may not have been paying attention, and that distraction is what led to the injuries and losses that occurred.
In addition to these things, there are a few more factors to consider when it comes to what not to say to insurance after a car accident happens. Don’t discuss the severity of your injuries. You do not need to tell them how you are recovering or if you are “doing better.” You do not have to discuss the severity of your recovery or any limitations you have. Let your legal team handle these types of questions.
You do not have to share medical records with the insurance company. There are some situations where they may seek out these records to prove you are not hurt, but unless they do that through the court system and force it, that is your personal and private information. You do not want them to try to turn around what is occurring and put your claim at risk as a result.
Hurt in a crash? Let us help protect your rights.
It can be complicated. Let us help you. Call Horwitz, Horwitz & Associates now to get the legal help you need. Call us now to set up a free consultation to discuss your case with an experienced team of professionals. Call us now at (800) 985-1819 for a free consultation.