Five things Not to Say to Your Insurance Company
“A man who lives right, and is right, has more power in his silence than another has by his words.” – Phillips Brooks
You were in a car accident and are about to call your insurance company to make a claim.
Before you do, remember this: your insurance company is not on your side.
Your insurance company is a business, one that has an eye on maximizing profits by minimizing payouts. Payouts to accident victims like you.
What Happens when You Make a Claim
When you make a claim, your insurance company will request that you make a recorded statement. Before you do ask your insurance company if you are required to give a recorded statement in your policy. Never give a recorded statement if you can avoid it! It could be used against you later.
Avoid Saying This to Your Insurance Company
Even if you refuse a recorded statement, you will still be required to report the claim and speak to the other driver’s insurance company. When speaking with any insurance company:
- Don’t give a recorded statement if you can avoid it.
- Don’t guess the speed you were traveling.
- Don’t say you aren’t hurt—injuries take time to appear in many cases.
- Don’t admit fault or apologize.
- Don’t accept an offer before consulting with a personal injury lawyer.
A rule of thumb: stick to the facts. Your insurance company may ask you the same question a few different ways. Never say “I’m sorry”, and don’t hedge with phrases like “I think” and “I feel.”
Hire an Auto Accident Attorney
Avoiding these five things will help you to maximize your payout. Additionally, hiring an auto accident attorney is crucial to receive fair compensation for your medical bills.
An auto accident attorney has the knowledge and experience to help you determine whether or not your insurance company’s payout is fair. To speak with an auto accident attorney in New Mexico, contact Berenson & Associates, PC by calling 505-243-4400.