• Kenneth Powell

What Should Not Say to Your Insurance Company After an Accident?

If a person is involved in an automobile accident, they might need assistance from an insurance company to cover medical bills and repair their vehicle.

However, all conversations with an insurance company should be handled strategically to avoid unnecessary delays. Here is some advice on what to say and what not to say to insurance after an automobile accident.

Most people overlook these simple things due to being dazed and disorientated by the events that just occurred.

Say Nothing Right After an Accident

Although the person might be in shock or confused after an accident, remaining calm and collected before contacting their insurance company is imperative. They need to take care of medical needs and then find ways to protect their legal interests. Only after these two things should they concentrate on contacting the insurance company.

Insurance companies often have a different objective to the person seeking compensation and look to close the case quickly for as little as possible. Victims must bear in mind that insurance companies are businesses and are treated as such.

On the other hand, the objective of the victim is to receive the maximum amount of compensation available for the claim.

Don't Admit Fault

When an individual is in an automobile accident, it is essential to not admit fault in front of any other driver, law enforcement agent, or insurance company. That can compromise the amount awarded or even get the case thrown out of the court, which could be catastrophic.

Victims should allow both insurance companies to determine who is at fault for the accident and any other factors involved, such as faulty traffic lights, a distracted driver, or faulty vehicle parts.

Without admitting fault, a person is protected as these sorts of statements may be used against them later in the investigation.

Saying They Aren't Injured

People need to try and avoid making any untrue declarations. In most cases, a person's injuries do not show up immediately after an accident, and they could be suffering from internal bleeding or brain injury.

Other indicators of injury, such as bruises, may take time to manifest, especially in whiplash personal injury cases. After an accident, an individual should see their local doctor immediately to determine if anything is out of place.

Provide an "Official Statement"

Individuals are under no obligation to record their statements as what they say may sometimes be misinterpreted or taken out of context by the insurance company. Regardless of what occurred in the victim’s case, it needs to be discussed with a St Louis MO vehicle accident attorney who can provide legal advice on the matter.

Saying, "I Think…"

If a person is unsure of specific details surrounding the incident, it is better to leave that information out. Not providing a factual answer could put doubt in the judge's mind and give the insurance company the upper hand. Avoiding simple estimates such as driving speed, distance calculations, and other assessments can help speed up proceedings.

Naming Others

It's essential to stick to the basics when individuals deal with an insurance company. They should avoid mentioning names of doctors, friends, or family members as these people may wind up in litigation with the insurance company.

Accepting a Low-Ball Offer

In most cases, insurance companies make lowball offers, hoping that the victims take it and leave. It is ideal for the insurance company because it ends the issue sooner and pays less compensation to the person.

An individual should consider consulting with a personal injury attorney when dealing with making a claim of this nature. These cases work on a contingency basis, so the person owes nothing if there is no compensation paid out.

Saying They Don't Have a Lawyer.

Using the services of an experienced personal injury attorney can make dealing with the entire court process more fluent for the victim.

Most automobile accidents leave people out of work and in pain or suffering, so they should seek legal advice immediately once their medical needs have been taken care of.


The Powell Law Firm has been in the industry for over 20 years and is experienced in personal injury claims. Overall, this law firm has helped many people get the compensation they deserve while their information is held under 100% confidentially.