Dealing with insurance companies after a vehicle accident often feels intimidating, especially if you are seriously injured and counting on fair compensation.
The way you communicate with insurers can directly impact the outcome of your claim. It is important to know that insurance adjusters often seek to minimize payouts, and they may use your own words against you. The tips below can help to protect your claim and your due compensation.
Remain cautious during conversations
When speaking with insurance adjusters, avoid admitting fault or offering detailed descriptions of the accident without legal guidance. Even saying “I’m sorry” in the heat of the moment could be interpreted as accepting blame, which could undermine your deserved compensation.
Stick to providing facts about the event and avoid speculating about the specific circumstances of the accident.
Avoid discussing injuries in detail
Do not discuss your injuries comprehensively when dealing with insurance adjusters. Since they can develop or worsen over time, saying too much can raise doubt about your injury severity. If the adjuster believes you are relatively fine, your compensation may be decreased.
For example, a seemingly harmless statement, like “I’m feeling okay,” may weaken your claim. Instead, offer only basic information during discussions.
Request written communication
Whenever possible, ask for written communication through letters and emails rather than verbal discussions. This can help prevent misunderstandings about your accident and injuries, while generating documentation that could play a role in your claim.
If phone conversations become necessary, remember to keep detailed notes of what was discussed.
Taking a strategic approach to your interactions with insurance companies can make all the difference in preserving your claim. You can protect yourself further by seeking experienced legal guidance with your claim.
