Being involved in an accident is a serious and scary situation. After the accident, a lot will likely go on, and it may be hard to know what to do and say.
At some point, the insurance company will send someone to talk to you about what happened. While it can be tempting to talk to them freely in hopes of a quick settlement, this is usually discouraged. When speaking to an insurance agent after a car accident, avoiding saying the following will help you protect yourself and your right to compensation.
Avoid admitting fault
An important thing to avoid saying when talking to an insurance agent after a car accident is anything about fault. Even a statement as innocent as, “I didn’t see the other car,” could be interpreted as you admitting negligence.
It is best to stick to the facts of what occurred without your assessments of who is at fault. The insurance company will investigate, which should determine who is at fault.
Don’t downplay injuries
It can be tempting to downplay your injuries, especially if they don’t seem severe. Phrases like “I’m fine” or “It’s just a scratch” can be used against you if you develop symptoms later. Even minor injuries can worsen over time, so it’s important to be cautious in your descriptions and seek medical attention if necessary.
Refrain from discussing settlement offers
If the insurance agent makes a settlement offer, avoiding discussing it on the spot is wise. Responding with, “That sounds reasonable,” or “I might consider that,” could lock you into a lower settlement than you deserve. It’s crucial to review any offers thoroughly and, if possible, consult with a professional before agreeing to anything.
The information here can help you protect yourself and your rights after a car accident.