After a car accident caused by someone else, you will likely file a claim against the at-fault driver’s insurance policy to recover compensation. The insurance adjuster you speak to may be friendly, but remember that insurance companies are for-profit businesses that prioritize their bottom line. As such, insurers may minimize or deny injury claims to avoid paying accident victims what they deserve.
If you were in a collision and must speak to insurers, keep the following tips in mind. The best way to protect your legal options for seeking compensation is to hire a knowledgeable car accident attorney who can communicate with insurers on your behalf, increasing your chances of a successful payout.
What Should You Not Say to The Insurance Company After an Accident?
Because insurance companies focus on profits, they often deny liability for car accident injuries and damages to avoid paying what they owe. Therefore, knowing what not to say to insurance companies after an accident is crucial. You should avoid:
- Admitting fault – Never admit fault for causing an accident. When speaking to an insurance company, stick to the facts and avoid speculation about who or what caused the crash. Furthermore, do not apologize for the accident, as this can be seen by the insurers as an admission of guilt, even if you are not to blame for the crash.
- Saying you feel fine – Although you may feel fine following an accident, some injuries take hours or days to manifest symptoms. Thus, when speaking to an insurer, do not say that you feel fine or are “okay.” These statements could damage your claim should you develop symptoms after talking to insurance companies, as they might be used as proof that you did not suffer injuries.
- Giving a recorded statement – Many insurers ask claimants for an official statement following a collision. Do not provide an official or recorded statement without first consulting an attorney.
- Providing too many details about your injuries – You are not a medical professional, so do not speculate about your injuries. Your medical provider will examine and diagnose your injuries and add them to your medical records, which will be crucial proof for your claim.
How to Deal with Insurance After a Car Accident
How can you best deal with an insurance company following a car accident? Keep these things in mind:
- Contact law enforcement and get a copy of the police accident report
- Keep all invoices, bills, and receipts related to your injuries
- Gather as much evidence at the scene as possible, including contact information for witnesses
Finally, hire an experienced car accident attorney who can communicate with the insurance companies and other parties on your behalf. A Durham personal injury lawyer will know what to say and what not to say to insurers and can build a robust case in your favor.
Contact Our North Carolina Car Accident Lawyers for Help
If you need help dealing with insurance companies after an accident in North Carolina, the legal team at Kreger Brodish LLP is prepared to advocate for you. Contact our Durham car accident lawyers today for a free initial consultation.