Law

What Statements Should You Avoid Saying Your Insurer?

An accident can be one of the most challenging experiences one can go through. Most accident victims are often burdened with financial stress. The burden of medical expenses, vehicle repair, legal costs, etc., can quickly drain a victim’s finances.

However, insurance can be a sign of relief after accidents. Most people have insurance coverage which assures to cover their financial expenses after an accident. After the accident, the victim will likely meet with the insurer.

In such cases, accident victims must know what statements they should avoid saying to their insurer and increase the chances of a higher settlement. The victim can also consider hiring an 18-wheeler accident lawyer in cases of truck accident-related insurance claims.

Statements accident victims must avoid saying to their insurer:

  • “It was my fault.”

Even if the victim believes they were partially or fully at fault for the accident, they should not admit fault to their insurer. The statement can be used against them to reduce or deny their claim. Instead, the victim should focus on the facts of the accident and let the insurer investigate and determine fault.

  • “I did not suffer any injuries.”

It’s not uncommon for people to downplay their injuries or dismiss them as minor in the aftermath of an accident. However, even if the victim thinks they are not seriously injured, they must seek medical attention and document the injuries. It’s also important to be honest with the insurer about one’s injuries, as it can affect the claim’s value.

  • “I was not paying attention when the accident occurred.”

When victims admit they were distracted or not paying attention when the accident occurred, it can also be used against them to reduce or deny their claims. Instead, the victim should focus on the facts of the accident and avoid speculating about what caused it.

  • “I did not report the accident right away.”

It’s essential to report an accident to the insurer as soon as possible. If victims delay reporting the accident, the insurer may question the validity of their claim or assume that they are not seriously injured.

  • “I do not remember the details of the accident.”

It’s essential to be accurate and honest when reporting the details of the accident to your insurer. If you don’t remember specific information, it’s okay to say that you don’t know, but don’t fabricate or exaggerate the details.

  • “I don’t have any documentation.”

It’s essential to have documentation supporting the claim, such as medical bills, receipts for out-of-pocket expenses, and documentation of lost wages. With this documentation, it may be easier for the insurer to evaluate the value of your claim.

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