When you’re injured in a
car accident, nothing is more important than getting the medical care you need to ensure
a full recovery. Unfortunately, medical care – including rehabilitative
care and occupational therapy – isn’t free, and you can be
stuck with the bill if your insurance doesn’t pay out.
You can count on the insurance companies to look for every reason to avoid
paying out. After all, their business is built on avoiding liability for
a policyholder’s injuries or the injuries a policyholder caused
to someone else. For this basic reason, you should be on guard anytime
you’re required to interact with a representative from any insurance
company when it concerns your car accident injuries.
That said, there are some basic things to avoid saying that can help you
protect your claim. Keep reading to learn more, then contact a lawyer
from the Paulsen Law Group for personalized legal guidance.
1. “I’m Fine” or “I’m OK”
Regardless of how you feel immediately after a car accident, never tell
the insurance adjuster that you’re “fine” or “OK.”
You might be used to answering questions such as “How are you?”
or “How do you feel?” with these answers, and it’s a
very common thing that most Americans do – but now’s not the
time to utter these throw-away replies.
The real threat of saying you’re fine or OK off the cuff comes from
how insurance companies can interpret statements like these. If you said
you were fine, the reasoning goes, then you didn’t really need all
of this medical care. That gives the insurance companies a reason to pay
less or deny your claim altogether!
2. “It Was My Fault” or “I Should Have…”
You must avoid saying anything that can be used to pin blame on you for
the accident. It might be simple enough to avoid saying it was your fault,
but you might start to formulate an “I should have…”
statement when discussing the cause of the accident with the adjuster.
This is natural, but you must be on your guard and avoid it as much as possible!
3. “You Can Record Me”
Never let an insurance adjuster record you – ever! Not only can you
safely refuse to record a statement, but should always do so. Your recorded
statement is set in stone, which means that any changes to your statement
that occur over time due to recalling or forgetting information can poke
holes in your claim.
The more your “story” (for lack of a better term) changes,
the more suspicious the insurance companies become and the less likely
they’ll be to pay out what you deserve.
4. “You Can Look at My Medical Records” or Discussion About
The more information you willingly give to your insurance company about
your injuries, the more information they have that they can potentially
use against your claim. You don’t have to let your insurance company
review your medical records – that may only be necessary if your
claim proceeds to a lawsuit against your insurance company, but that’s
a discussion you should have with your lawyer.
refrain from discussing your injuries or providing information about them to an insurance adjuster. Even informal statements you make can be used
to reduce the payout for your claim or deny it altogether.
5. “I Think…” Statements & Speculation
Finally, avoid any statements that speculate on how the accident happened
or the extent and nature of your injuries. You can count on the insurance
adjuster to record these details, and if they don’t match up with
the facts of your claim, you can inadvertently set yourself up for a denial.
Contact a Lawyer for Help
When you’re injured in an accident and must deal with your insurance
company, immediately contact Paulsen Law Group for help. Our lawyer has
many years of experience helping clients pursue the compensation they
should have received from their insurance companies after an accident.
We fight hard for our clients and ensure the details of their
personal injury claims are taken into account. With our focus on personalized legal representation,
we’re confident we can help you secure a better outcome.
Contact Paulsen Law Group
online now to request a free consultation.