Top Four Things You Shouldn’t Say to an Insurance Adjuster

Two women having a conversation in an office setting

Dealing with the aftermath of a car accident can be frustrating. From dealing with your injuries to dealing with insurance adjusters, it can all be overwhelming.

We know you want this to be over as soon as possible; however, you must handle your claim cautiously as insurance adjusters want to limit the amount of compensation you receive. Before you pick up the phone, be sure not to say the following things:

1. “It was my fault.”

Admitting fault is one of the worst things you can do after a car accident—even if you were at partial fault. Before you say anything, it’s suggested to speak with an attorney so they can do a thorough investigation into what happened. Once you’re given the okay to talk by your attorney, then you can speak with the adjuster.

2. “My injuries weren’t that bad.”

If you were a car accident victim, you deserve compensation for your injuries. Compensation from your case can cover many things like:

  • Medical expenses
  • Treatments and therapies
  • Pain and suffering
  • Loss of income

Insurance companies will deduct their settlement offer when a victim downplays their injuries. When it comes time to speak with an adjuster, it’s best to tell them that you are waiting to get a better understanding of your injuries. This is important as conditions can worsen over time.

3. “I think they were….”

It’s essential not to speculate about the accident as your statement can be incorrect after an investigation. Insurance companies will use your inconsistent statement against you to try to give you the lowest amount of compensation possible. It’s okay to tell an insurance adjuster that you do not recall the situation, especially if you can’t remember certain details.

4. “I agree to make a recorded statement.”

Recorded statements cannot be taken back, so it’s essential never to agree to provide one. Even if you feel as if the statement is accurate, pieces of your statement may be taken out of context to make it sound like you caused the crash or weren’t seriously hurt.

You aren’t legally obligated to provide a recorded statement as a victim. Rather than making a statement, kindly refuse and seek an attorney who will take over the communication between you and the insurance adjuster.

Full-Service Law Firm

When you’re injured at the hands of a negligent driver, you have every right to take legal action. Our personal injury attorneys at Grewal Law PLLC represent victims across the state of Michigan with a compassionate yet aggressive approach. Remember, car accident victims only have three years to file a claim, so it’s best to speak with our attorneys as soon as possible.

When you’re ready, contact our legal firm at (888) 211-5798 or visit our website to request a free consultation.

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