Anytime you’re in a vehicle accident that you didn’t cause, it’s very likely that you’ll be hearing from the insurance company of the driver who caused the wreck.
It’s very important to remember that insurance companies are for-profit businesses, and the less money they give you, the more money they keep. That means the insurance adjuster’s job is to pay you as little money as possible.
That’s why it’s crucial that you don’t say the wrong things to an insurance adjuster when he or she calls.
What should you NOT say to an insurance adjuster?
Here are some of the statements you should avoid when speaking with an insurance adjuster:
- “In my opinion” or “I think” – It’s best not to qualify any statements by guessing. If they ask you a question and you don’t know the answer, then it’s best to not say anything at all. The adjuster might try to rephrase the same question to try to get you to say something wrong. Again, silence is best in that situation.
- “I’m sorry” -You shouldn’t let those words leave your mouth when speaking to an insurance adjuster. Also, apologizing for any part of the accident could later get twisted to make it seem like you were admitting fault.
- “I’m fine” or “I’m not injured” – You might just be trying to be nice and/or cooperative. You might feel fine today, but when it comes to a car accident, it can take days or even weeks to get in to see a doctor and know the extent of your injuries. That’s why you should not tell an insurance adjuster that you don’t have any injuries. If you start to feel pain days later, make sure you see a doctor immediately and don’t sign any medical release forms without consulting with an attorney.
- Never consent to a recorded statement – If you don’t want what you say to be taken out of context, then you should not consent to having the insurance adjuster record your statement.
Why do you need an experienced attorney to handle your car accident case?
Without an experienced personal injury attorney on your side, the insurance company handling your case is more likely to avoid paying what you deserve.
A good attorney can figure out how much money you need, based on the following factors:
- Medical bills
- Expenses you paid out of pocket
- Lost employment wages
- Pain and suffering
- Future loss of quality of life
The first offer an insurance company gives you is likely much lower than what you are entitled to. That’s why it’s so important to contact an experienced car accident attorney.
If you’ve been in a car accident, contact Robert Armstrong’s office today.