Here are some key things to avoid saying to your insurance company when filing a claim:
- Admissions of Fault: Don’t say anything that could be construed as admitting fault for the incident, even if you feel partially responsible. Phrases like “I’m sorry” or “It was my fault” can be used against you. Stick to the facts of what happened.
- Exaggerating Injuries or Damage: Be truthful about the extent of your injuries and the damage to your property. Exaggerating can lead to a denied claim or even fraud charges.
- Volunteering Extra Information: Don’t provide unnecessary details beyond what’s directly related to the claim. The adjuster might find something to use against you.
- Discussing the Claim with Others: Avoid discussing the details of your claim with friends, family, or on social media. Information you share could be misconstrued and used against you.
- Speculating or Guessing: If you’re unsure about something, don’t offer speculations or guesses. It’s okay to say “I don’t know” or “I don’t remember.”
- Signing Releases Without Review: Don’t sign any medical releases or settlement agreements without first consulting with a lawyer, especially if your claim is complex or involves significant damages.
- Accepting the First Offer: Insurance companies often offer a low initial settlement. Don’t feel pressured to accept it right away. Take your time, consider all options, and negotiate for a fair settlement.
- Going it Alone: For complex claims, especially those involving injuries, consider consulting with an attorney specializing in insurance claims. They can help you navigate the process, protect your rights, and ensure you receive fair compensation.
By following these tips, you can avoid pitfalls and increase your chances of a successful claim with your insurance company.