Even if you make the smart decision to retain an experienced car accident attorney to file your claim with the negligent driver’s insurance company, you may have to speak to his insurance adjuster at least after your collision. Here, we explain the statements that you do not want to make that can weaken your claim and reduce the compensation you receive in your settlement.
Five Statements That You Shouldn’t Say When Talking to the At-Fault Driver’s Adjuster
As soon as the other driver reports the accident to his insurance company, a claims adjuster will be assigned to investigate it and determine what, if anything, to offer in settlement of your claim. You may receive a call from this person soon after your accident—maybe even before you leave the hospital. Here are statements that you should not make since the insurance adjuster could use them to deny or reduce your claim:
- I’m sorry. Many people tend to apologize for things even when they are not their fault. Avoid saying “I’m sorry” or other similar statements to the driver or his insurance company. They can be construed by the insurance adjuster as an admission of fault in causing the collision.
- I’m fine. Even if you do not believe that you suffered injuries or that they are minor, you should not tell the adjuster that you are fine or downplay your injuries. Soon after your accident, you cannot know the full extent of your injuries, and some symptoms can take days or weeks to develop. If you make these statements, the insurance company could use them to claim that you were not really seriously injured in the wreck.
- False statements and exaggerations. When you speak to the insurance adjuster, you should not make false statements or exaggerate about the pain you are experiencing or the seriousness of your injuries. The insurance adjuster will most likely discover your untrue statements, and this will significantly weaken your claim.
- Speculations. You want to stick to what you know when answering questions. Do not speculate or make “I think” statements. They can turn out to be untrue, reduce your credibility, and hurt your case.
- Settlement offers. You should not make a quick settlement offer or agree to one offered by the insurance adjuster—even if you think that the offer is reasonable. You should never accept a settlement offer without obtaining advice from your car accident lawyer to ensure that you receive all that you deserve.
Contact Us to Schedule a Free Consultation
Do you need assistance negotiating your settlement with the negligent driver’s insurance company? Our experienced car accident attorneys have years of experience fighting for the rights of car accident victims in the Norfolk area and are dedicated to obtaining the compensation that you are entitled to—even if you made one of the damaging statements listed above. To learn about your legal options, call our office to schedule your free consultation today.