The aftermath of a car accident can leave you with a number of physical and emotional injuries, but it can also cause serious financial damage. Depending on the severity of your accident, you may be facing vehicle repair bills, medical expenses, lost wages, and a number of other expenses. These can quickly add up and may cause serious financial struggle and even bankruptcy.
Following an accident, you make a number of calls. Along with calling emergency crews, your family and friends, and possibly even a personal injury lawyer, you will also have to call your insurance company to file an accident report. Dealing with all of these individuals can be a very complicated and stressful time, especially if you have never been in an accident before.
You need to contact your insurance company so you can recover financial benefits to help pay for the damages you suffer as a result of your accident. Before speaking with your insurance company, it is important that you know what you should and should not say to your insurance company to increase your chances at recovering financial benefits.
When speaking with your insurance agent, avoid the following phrases:
- Any sort of contact immediately after the accident – Your insurance agent shouldn’t be on speed dial or even on your first list of people to call after an accident. The emotions you may be feeling after an accident could influence what you say. Take care of your health first and worry about calling your insurance company later.
- “The accident was my fault…” – Make sure you don’t apologize and don’t confess to anything. Even if you were at fault for the accident, the other motorist could also be at fault for the accident. Make sure you don’t confess that accident was your fault to the other driver or police officer at the scene either.
- “I am not hurt…” – Not all injuries surface immediately after an accident. In fact, one of the most common injuries, whiplash, may not surface until weeks after the accident. You may also develop bruising or neck or back pain days after the accident.
- “I do not have an attorney…” – If you say you don’t have an attorney, your insurance company may not take your case very seriously. An experienced attorney can use his or her experience to keep pressure on the insurance company so they do what is right. An attorney can also make sure you receive the appropriate amount of financial compensation to pay for all present and future damages.
- Any contact information for friends, family, or doctors – If you give out this information, your insurance company may try to contact your friends and family for more information about you or your case. You are not required to give out this information so make sure you don’t get forced into releasing this information.
- “I accept…” – A number of accident victims are desperate for compensation and make the mistake of accepting the first offer. Insurance companies almost always lowball you on the initial offer so make sure you have an attorney and let him or her handle the negotiating.