You may have read many times that you should be careful when talking to insurance company representatives. It sounds intimidating. But don’t worry. Instead, familiarize yourself with the questions they ask on a regular basis and these tips on how to answer them.
Questions from insurance companies
Insurance companies will try to get as much information from you as possible. So expect them to ask the following questions.
- Have you filed a police report?
- Are you hurt? If so, what kind of injuries did you have?
- Did you see or hear anything that could help identify the cause?
- What direction were you going?
- Who do you think is to blame?
- how did the accident happen?
- Were there any passengers?
- who was involved?
- Where was the accident?
- When did the accident occur?
If possible, record the immediate events on your phone or notebook. This helps us stay consistent with the facts.
Tips for Talking to Your Insurance Company After a Car Accident
Avoid recorded statements
Another question they may ask you is whether you are willing to make a written statement. Best to refuse when asked. Doing so risks making statements that may later discredit your claims, especially when you are still in shock after the accident. Always stick to the facts and never admit fault when claims can be jeopardized.
A more likely scenario is to ask the other driver’s insurance provider to make a recorded statement. In this case, you must decline.
do not admit mistakes
As mentioned earlier, never admit that the accident was your fault. Do not speculate or make any assumptions about what caused the accident. For example, don’t say, “I’m kind of distracted and I just found out…”
Do not self-diagnose injuries
One of the questions they ask is if you were injured. You may not feel any pain right after the accident because you are still on adrenaline. It is best to wait until paramedics observe you. In many cases, the full extent of the injury cannot be determined until medical attention is sought. I will simply state that I have been injured without confirming it, but I am still unsure of the full extent of the injury and am awaiting a doctor’s report.
Do not provide unsolicited or unknown information
Do not chat with insurance agents or provide information they did not ask for, even if you think it is relevant. These too can be twisted and used against you later. Similarly, don’t make assumptions when asked questions you don’t know. Please briefly state that you do not have the information at this time.
Being involved in a car accident is a difficult and stressful time. Claims laws and procedures can be confusing. You need to get someone who is genuinely by your side and guiding you in this crucial moment. Hire a car accident attorney in Florida to help you with your case from start to finish. Contact us now.