After a car accident, emotions are heavy and injuries may be painful. Dealing with the aftermath of an accident can be confusing on its own, but the added stress of the insurance company can leave you feeling alone and worried. Our attorneys at Maison Law offer you the representation that you need after an accident, providing you with the resources that you need to deal with the insurance company and face an accident case head-on. Please do not hesitate to contact us today for a completely free legal review so that we can get started on assisting you.
Things You Shouldn’t Say to the Insurance Adjuster
It’s your worst nightmare: You’ve just had your life turned upside-down by a car accident and now the insurance adjuster is already calling. Protecting yourself and your rights is crucial after a car accident if you want to have success in your settlement or claim. There are some things that you should not say to the insurance adjuster after an accident so that you can protect the future of your claim and receive the damages you need to get back on your feet. These include the following:
- It was my fault. You should never tell the insurance company that you think the car accident was your fault. By admitting fault or saying “I’m sorry,” you may think that you are being kind and taking the blame where it is necessary. However, these phrases can be used against you and could make the insurance company pin the blame on you for an accident that you did not cause.
- In my opinion… It is important to only stick to the facts when you’re speaking with the insurance company. If you start to give opinions even if you don’t know the real answer, these opinions can be used against you in your claim later on down the road.
- I’m not hurt. If the insurance adjuster asks you about the state of your injuries, you should refrain from telling them that you are fine or that you are not hurting. Until you see a doctor, the insurance company should not know about the extent of your injuries so that they cannot make a claim that they are not as serious as you say they are.
- Extra Information: Avoid giving any unnecessary details relating to your accident case. There is no reason to mention anything that you are not asked about.
Should You Give a Recorded Statement to the Insurance Company?
When the insurance company starts calling after an accident, they might try to get you to agree to giving a recorded statement. These statements exist for the insurance company so that they can scrutinize all of the details of the accident in your own words. They will thoroughly examine everything you say so that they can see if you have made any inconsistent statements and if what you told them lines up with what they see in the police report or from other witnesses. Any information that is given in the recorded statement can be used against you, which is why you should always proceed with caution.
You should only give a recorded statement if you have spoken with your attorney and they agree that you should. If an insurance adjuster is calling from the other party’s company, you are under no obligation to give a statement right off the bat, though you may need to speak with your own insurance company. You can also choose to give a statement that is not recorded. Speaking with your lawyer is the best way to keep your interests in mind and protect yourself during this incredibly vulnerable time in your life.
How a Lawyer Can Help You Deal with the Insurer
One thing that you must always keep in mind is that the insurance company does not work for you. In fact, they are typically only looking out for their best interests and trying to save as much money as possible. A lawyer will be well-versed in insurance tactics and will be prepared to face them alongside you for the best results.
When the insurance company tries to get you to agree to a too-low settlement offer in the beginning, your lawyer will guide you on what you should settle for. A quick settlement may not cover all of the damages that you could be entitled to. This is why you should hold out for a better offer with an attorney on your side who can negotiate on your behalf.
Contact a California Car Accident Lawyer
At Maison Law, our experienced and knowledgeable California car accident lawyers are here for you when you have been hurt in an accident that is not your fault. We have knowledge handling a wide array of personal injury claims and will provide you with the resources necessary to help you through these difficult times. We will also answer any questions you have at this time. Please do not hesitate to contact us today for a confidential and free case consultation.
