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If you were involved in a car accident, one of the first steps you need to take is to contact your insurance company. The sooner you inform them about the accident, the sooner they can begin the claims process. However, you pay extra careful attention to the wording you use during your conversation. You don’t want to accidentally say something that could get your claim denied.
It’s understandable that you’re upset and overwhelmed. A car accident is a very traumatic event. However, you should try to keep your composure while you talk to your insurance company. If you allow your emotions to take over and impolite toward the insurance adjuster, it can make things more difficult. The adjuster may be put off and less likely to make your claim a top priority. On the other hand, if you’re courteous, the adjuster may go out of their way to help you.
Don’t Reveal Unrequested Information
During your initial conversation with your insurance adjuster, they will ask you several questions regarding the car accident. While it’s important to be honest, you shouldn’t volunteer unnecessary details. Just sick to the facts. For example, even if you think you forgot to use your turn signal before the accident occurred, it’s not necessary to mention that detail. Your insurance company didn’t ask you anything about that specifically and revealing that information may complicate your claim.
Avoid Taking Any Blame
When you talk to your insurance company about the accident, you should avoid taking any fault. Even if you think you’re at least partially to blame for the collision, there may be mitigating factors. It’s best to leave it up to the authorities to investigate the accident and determine who is truly at fault. If you admit to any blame, your insurance rates could go up or your claim could get denied.
Don’t Say That You Feel Fine
It’s not uncommon for people to feel perfectly fine after a car accident. The adrenaline from the collision can often mask pain or at least a few days. Even if you feel okay right now, you should avoid saying that to your insurer. It’s best to have a doctor examine you before you talk to your insurance company about your condition. You may find out that you actually were injured and require medical care.
Say No To Being Recorded
If your insurance company asks if it’s okay to record the conversation, realize that you’re allowed to say no. If you’re feeling a little nervous about speaking to the insurer, it may be best to not have the initial conversation recorded.
Speaking to your insurance company for the first time after a car accident can be a little nerve-wracking. However, if you follow these tips, it can make the process a little easier. If your insurance company has denied your claim, you should consult with an experienced Chicago insurance consultant lawyer.
Thanks to Childress, Loucks & Plunkett for their insight into insurance claims and tips for speaking to your insurance company.