3 Common Mistakes People Make When They Talk to Their Insurance Companies

Your insurance company is never going to tell you how to talk to them so your claim is more likely to be accepted or your payout will be as big as it should be.

This is usually an issue after motor vehicle accidents. Review our tips on what to do after an accident. Stick with the facts of the situation, and just the facts. Not doing so can be a mistake.

The experts at Injury Claim Coach offer advice for dealing with insurance adjusters, and their advice reveals some common mistakes accident victims make.

Mistake #1: Admitting You Did Something Wrong

Insurance adjusters will be trained to get you to say something that goes against your own interests, in order to minimize the size of a claim or dismiss it altogether. Never say that you may have been looking down at your phone. Don't make similar statements at the accident site either. Even saying you are "fine" when the insurance adjuster asks is a statement against your interests, if you do actually have a medical problem and politely say you are fine you have just admitted that the problem can't be serious.

The experts at Injury Claims Coach also advise against offering opinions on why the accident happened. Stick with facts regarding time and place, location of the vehicle, condition of the vehicle, and the involved parties' contact information.

Mistake #2: Embellishing Your Story

It might be obvious that outright lying is a bad idea, but people often do lie to a claims adjuster. Getting caught in a lie is almost certain to kill your chances of getting a settlement. If the claim is material - you say you were in the turn lane but the police report says you were not - your claim is certainly going to be denied. Claims about injuries should also be avoided. Unless a doctor diagnosed you with whiplash, assume you don't have it.

Mistake #3: Being Nice to the Adjuster 

The insurance company's adjuster works for them, not you. The insurance company's interest is in paying little or nothing for your claim. The insurance adjuster may pursue that goal by doing several things that can undermine your interest in getting fair settlement:

1. Putting you at ease so you let important information slip

2. Getting you to make a recorded statement about the accident

3. Being friendly, to set the tone for getting you to admit to something

Finally, never agree to make a recorded statement in person or on the phone unless you have an attorney present to advise you. Insurance companies take every opportunity to use these statements against accident victims.

Insurance Claims Are Complicated

If the accident was serious, you need to contact a lawyer as soon as possible, as the insurance claims process can be a real legal minefield. Insurance companies tend to challenge expensive claims. Even before court becomes a possibility it makes sense to have an attorney review your case.

We have a free case review and have an online form you can submit.

We also offer answers to frequently asked questions about dealing with insurance companies. Take a look at it before filing a claim.

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T.J. Smith, Attorney at Law
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Louisville, KY 40202

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