After you get into an accident caused by the negligence of another person, you may deal with the opposing insurance company as you work on solidifying the terms of a settlement. To protect your interests and ensure fair and proper compensation, never say the following things to the insurance company:
- “I’m fine.”—If the insurance company asks about your injuries, do not say that you are fine, as that implies you aren’t injured. Keep in mind that the symptoms of some injuries may not arise until after the initial rush of adrenaline from the accident subsides.
- “Sorry, it was my fault.”—Never admit fault when you are speaking with an insurance company. Even if you are only being polite, refrain from apologizing or admitting fault in any way.
- “You can call my doctor.”—Do not provide the names and contact information of your doctor or anyone else you know to the insurance company. One of their representatives may attempt to contact these people and obtain more information about you that hurts your case.
- “Well, it all started when…”—Do not volunteer any detailed information about the accident or your injuries with your lawyer present. Any information you provide could possibly be used against you later on in your case.
- “I accept the offer.”—The insurance company representing the opposing party will likely try to offer you a settlement as quickly as possible. Do not accept an offer until you consult with your attorney and negotiate a fair compensation package.