When filing a car insurance claim, your agent and other company representatives will ask you a lot of questions. Even if you know the answers, it’s best to remain quiet for the time being to avoid saying the wrong thing.
If you share too much with the wrong person, it can hinder your ability to obtain all the money that’s owed to you. Here are some of the things you should never say when making a car insurance claim:
- I think: This gives the impression that you don’t know the facts. It’s better to say you don’t know the answer to a question than to hypothesize.
- I was at fault: Even if you think this may be the case, don’t share it with your insurance company. Let the insurance companies figure out who was and wasn’t at fault. It’s not for you to decide.
- I didn’t suffer any injuries: You may think this is the case immediately after the crash, but come to find several days later that you’re hurting. Remember, not all injuries present symptoms right away. For example, a concussion may not cause symptoms until several hours or longer after a blow to the head.
- That sounds good to me: Maybe an insurance company representative makes you an offer based on the information provided. Saying “that sounds good to me” gives them the impression that you’re accepting the offer and are ready to move on. Don’t go down this path until you’re 100% sure that you’re ready.
Before you file a car insurance claim, take the time to review your policy and make note of what you want to say to your agent. Proper preparation can go a long way in helping prevent trouble.
Also, you should never give a written or recorded statement to an insurance company until you’re prepared to do so. It’s best to consult with an attorney and have this person present when discussing your claim, as it helps you avoid a mistake.
You pay for car insurance so that it will protect you in the event of an accident. Don’t let your insurer take advantage of you.