5 Costly Statements to Make to Your Insurance Company

You have to make many calls after you are involved in a car accident. Along with possibly calling emergency vehicles, a tow truck, and your friends or family, you eventually need to call your car insurance company so that you can file a claim seeking to receive financial benefits. When talking with your insurance provider, there are many pieces of information that you will need to communicate carefully and correctly. However, there are also some statements you should avoid making.

If you have suffered an injury in a car accident because of someone else’s negligent actions, it is strongly advisable to speak with a qualified legal representative about your possible case. Contact the Delaware injury lawyers of Morris James LLP to schedule a free consultation.

Statements to Avoid

Though you may be under the impression that your relationship with your insurance company is one that is intended to be mutually beneficial, the reality is that your insurer is a business and is therefore principally interested in its own financial standing. Accordingly, giving any reason for them to question or downgrade your claim can prove to be costly. Avoid saying or communicating the following.

#1: “I’m sorry, it was my fault.”

By admitting fault, you do irreparable harm to your claim, as well as to any potential civil lawsuit.

#2: “I don’t have a lawyer.”

This is a signal to your insurance company that they have the upper hand in negotiations and that they may be able to make a low settlement offer or wholly shirk their contractual obligations.

#3: “I’m not hurt.”

Though you may not detect any injuries immediately following a crash, many car accident-related injuries do not become fully apparent until days after the incident. Stating that you were not injured can have a negative impact on a personal injury case as well as your insurance claim.

#4: Family, friends, or doctor’s contact information

You are not required to offer this information, and you should not surrender it because it leaves your case and future in the hands of others, who – though they may be well-meaning – might compromise your case.

#5: “I accept your offer.”

Settlements and offers of benefits frequently fail to address the full range of concerns and expenses that an accident victim will encounter. Therefore, you should never accept an offer without having your attorney carefully review the matter.

Contact Us

If you or someone you know has suffered an injury in a car accident caused by the negligence of another party, we can help you to determine whether legal action may be appropriate. Contact a Delaware personal injury lawyer at Morris James LLP today to begin fighting for the financial compensation you need.