Dealing with an insurance company can be a daunting task after an accident. Whether it’s a minor fender-bender or a severe truck accident, what you say to an insurance adjuster can significantly impact your claim. These are critical statements you should never say to an insurance adjuster, including the following:
“It Was My Fault”
Admitting fault is one of the biggest mistakes you can make after a truck accident. Do not tell an insurance adjuster it was your fault, even if you think you might be to blame. An investigation might turn up things you don’t yet know that could put your claim in a more favorable light. For example, the driver may have been drinking or working beyond the hours of service regulations. Insurance companies will pounce on anything they can use to undercut your claim, including a premature admittance of fault. Don’t give them this ammunition. Instead, stick to the facts and let the investigation determine who is at fault.
“I Wasn’t Too Badly Hurt”
Saying you weren’t badly hurt can undermine your claim, and it might not even be true. While you may feel fine immediately after the accident, injuries like whiplash or internal bleeding may not immediately manifest symptoms. Additionally, you could be experiencing shock or a temporary surge of adrenaline that masks your symptoms. By downplaying your injuries, you give the insurance company grounds to question the severity of your condition later. Always seek medical attention after an accident and avoid making any statements about the extent of your injuries until you’ve seen a doctor.
“What Happened Was…”
When speaking to an insurance adjuster, avoid theorizing or speculating about how the accident happened. Stick to the facts as you know them. Saying “I think” or “maybe” can lead to misinterpretation or provide the adjuster with grounds to dispute your claim. Provide a clear and factual account of what occurred without offering opinions or guesses.
“Yes, I’ll Give a Recorded Statement”
Never agree to give a recorded statement without first consulting a lawyer. Insurance adjusters can use recorded statements against you later. These professionals are trained to ask questions in a way that might lead you to make statements that could harm your claim. Politely decline recorded statements and seek legal advice to protect your rights.
“Yes, You Can Access My Medical Records”
Granting an insurance company unrestricted access to medical records is another all-too-common mistake. While the adjuster will need some medical information to process your claim, they do not need unfettered access to your medical history. Providing them with too much information can lead to them questioning the validity of your injuries or attributing them to pre-existing conditions. Instead, consult with your lawyer about what medical information you should share.
Contact an Experienced New Braunfels Truck Accident Attorney for Help
Dealing with insurance companies after a truck accident can be overwhelming. Fortunately, you don’t have to do it yourself. Troy Burch has represented New Braunfels residents and surrounding communities since 1990. He can provide you with the experienced legal representation you deserve. Put him to work on your case when you contact the Burch Law Firm today for a free consultation with a New Braunfels truck accident lawyer.
