Call for a free consultation

Skyline

Three Things You Should Never Tell Your Insurance Company

You have insurance for two reasons. The first is that it is a legal requirement. The second is so you have someone to turn to when you face the unexpected.

In theory, you have insurance so that if you get into an accident, you do not lose all of your savings trying to resolve the issue. With a monthly payment plan and a good policy, you do not need to dread a fender bender because your insurance company will take care of you.

The thing about insurance companies is that they like receiving monthly payments from their customers, and they make a lot of money this way. When customers ask for that money back through a claim, they are less happy, however.

This is why you need to be careful about what you say to your insurance company. It is easy to use the wrong word to describe your accident. This one false step can mean the difference between a comprehensive claim and being sent out into the cold.

Never Admit Fault

Do not ever, under any circumstances, admit fault in an accident. Even if it is obviously entirely your fault.

Insurance companies do not want to hear that you were at fault. They do not want to insure people who cause accidents because these accidents translate into claims. Claims then translate into lower profits. No one likes lower profits, especially your insurance provider.

Admitting fault can put you in a precarious position because it can cause the insurance company not to pay your claim. It also means that your insurance company has to pay the other person's claim.

If you are asked, decline to answer. Do not blame it on the other driver either. Keep mum and let your agent work it out.

Don't Claim Whiplash

Minor injuries go hand-in-hand with accidents. Whiplash is one of the most common complaints that people have after these accidents.

Unfortunately, whiplash is not your best friend. No one can prove that you have whiplash because it is a muscular injury. It cannot be documented with x-rays or MRIs.

If you were injured in the accident, be sure to look for the exact cause of your injury to see whether it can be medically documented. Doing this will improve your chances of having your claim paid.

Whiplash is a buzzword in the insurance industry because it is often claimed falsely. If you mention the word whiplash, you are more likely to be investigated or to have your policy strictly enforced because insurance companies simply don't trust it.

Do Not Tell Them About Medical Issues

Avoid signing a medical release form at all costs. Your medical records are protected under federal law and insurance companies do not need them to investigate an accident.

If you do sign this form, you run the risk of your insurer digging through all of your medical records. This includes records that have nothing to do with your accident. When they have access to this information, the insurance company might be able to reject your claim based on a bump on your head that you suffered when you were 15.

You should also avoid giving out any personal information about your family or about your doctor. The less information you give them about this, the less they can use against you.

Your insurance company is there to help but they also want to profit. To protect themselves against fraudulent claims, some insurers take their investigations to the next level. To make sure that your claim goes smoothly, avoid adding fuel to the fire by keeping personal details to yourself. 

No Comments

Leave a comment
Comment Information
Question Mark

How Can We Help?

Bold labels are required.

Please note that First AND/OR Last Name, and Email AND/OR Phone are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

T.J. Smith I'm Your Lawyer

T.J. Smith... He'll Make 'Em Pay!
T.J. Smith... He'll Make 'Em Pay!

T.J. Smith, Attorney at Law
600 W Main Street Suite 100
Louisville, KY 40202


Phone: 502-792-7937
Phone: 502-589-2560
Phone: 270-261-4114
Fax: 502-540-1200

Louisville Law Office Map

  • The American Trial Lawyers Association - Top 100 Trial Lawyers
  • Multi-Million Dollar Advocates Forum
  • American Association for Justice
  • America's Most Honored Professionals
  • Kentucky Justice Association
  • Best of Louisville
  • Nation's Premier | NAOPIA | Top Ten Attorney | Personal Injury