But if they do try to undermine your case, it can really screw things up. Let’s be fair: Not every insurance company will play games with you on the phone. A good defense attorney will highlight the discrepancy for a jury and make hay out of it. Any contradiction you make with your previous statement can be very damaging. That could have been months ago, and heck if you can remember what you said. If your car accident case goes to trial, the defense can use your recorded statement to the insurance company to cross examine you.You might get annoyed, and say, ‘I guess so,’ to get the guy to leave you alone. Occasionally, an aggressive adjuster may push you to agree to facts that you don’t know are accurate. Adjusters will often ask you tricky questions that can make you answer in a way that hurts your claim.It’s not unusual for a person to tell the accident story slightly differently if he gives it four or five times over three months. If they spot any inconsistencies in these statements, the claim might get denied. They also will read over the statement you would make if the case involves a lawsuit. The insurance adjuster will look at the statement you give them with the statement you gave the police.Here’s some sneaky ways they might do that:
The bigger problem is that a recorded statement can be used to undermine a legitimate accident claim. If you don’t have a claim, your injuries and property damage are on you. Sometimes, your statement may actually show that you do not have a valid accident claim. ‘We can really speed up the claims process if you provide a recorded statement.’Įnjuris tip: If you do talk to the other driver’s insurance adjuster and they want to record the conversation, do not do so! You definitely should talk to a personal injury attorney.Ī recorded statement may be very damaging. The adjuster will chat you up in a very friendly way, and say something like: If you talk to the other driver’s insurance company, the adjuster will probably want a recorded statement.
Insurance word vs word pdf#
When you do speak to anyone about the accident, note the details of your conversation in your post-accident journal (link opens printable PDF form). If they do, it’s a good idea to not take the call and to talk to an attorney. Look, there is no legal requirement for you to cooperate or talk to the other insurance company.īut this will rarely or ever stop that insurance company from trying to contact you. Insurance adjusters are very well trained to use what you say against you. That insurance company will try to use whatever you say against you later in the claim, whether it was your fault or not. Why it’s risky to talk to other insurance companiesīy talking to the insurance adjuster for the other driver, there is a good chance that you are mucking up your own case. They will use their superior knowledge of the insurance claims game against you.
You’re on their home field and it’s their rules. Most car accident victims aren’t insurance adjusters or attorneys. This boils down to the following: to reduce claims they pay, the insurance company must deny claims made. Negotiating the lowest possible settlement possible on other car accident claims.Denying the maximum number of car accident claims outright.They represent both interests by doing two things as much as they can: And of course, they have an interest in protecting their own financial interests. Insurance companies always have a financial interest in protecting the interests of their client.
Insurance word vs word how to#
(See how to tell when you need a lawyer.) The other insurance company isn’t your friend The other driver’s insurance company isn’t looking out for you. The best way to deal with the other insurance carrier in most serious car accidents is to consult with a personal injury attorney.
While you do need to call your own car insurance company to report the accident, you are under no obligation to talk to the other driver’s insurance carrier. Many experts would advise you against speaking with the other person’s insurance company. How should I deal with their insurance company?
I was in an automobile accident and my car was totaled.
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