After an auto accident, the insurance company may contact you to get a statement about the incident. As sympathetic as the adjuster may seem, comments made in these conversations can often be used against you. Below are a few remarks to avoid making if you’ve been hurt in a car crash due to someone else’s negligence.
What Not to Say to an Insurance Adjuster
1. It Was My Fault
Many states, including New York, operate under a “no-fault” insurance system which requires injured drivers to file claims against their own insurance company. However, you may be able to hold the liable driver responsible for damages exceeding a certain amount. To protect your rights, avoid claiming responsibility for the accident or apologizing. When describing the incident, simply relay the facts without interpretation.
2. I’m Okay
To be polite, many people downplay their discomfort. However, the full extent of your injuries may not emerge until days later. If you’ve already told the insurance company you weren’t hurt, they may dispute responsibility for the damages. Seeing a doctor before talking to them ensures you have all the necessary information.
3. I Don’t Have an Attorney
Before speaking with the insurance company, always consult with a personal injury attorney who has the expertise to explain your rights. Adjusters often make settlement offers far below the actual damages, and may refuse to negotiate with victims who lack legal representation. An auto accident lawyer will have the skills and resources to discuss the matter with them on your behalf and maximize the value of the claim.
Have you been in an auto accident due to someone else’s negligence? With locations in Garden City, Queens, Flushing, and the Bronx, Sackstein, Sackstein & Lee, LLP, has been helping residents in New York with personal injury claims for over 65 years. Their seasoned team guides clients through the legal process, collecting millions of dollars on their behalf. Visit the website now to find your nearest location, and follow their Facebook for more tips and news. Call (888) 519-6400 to schedule a consultation today.