Providing Details
When you do report the accident, you are going to need to provide some information. First, they will ask for the name of the policyholder, the policy number and the start and end date of the policy. After that, they will ask for general details like a description of the accident, the names of the drivers involved, the license plate numbers of the vehicles and the date and time the accident occurred.
It is important to know what you should and should not say when you are talking to your insurance company. You will have to provide them with some basic details and it is in your best interest to be honest, but you do not have to provide them with every single detail of the accident and you should not guess if you do not have an answer.
If You Are Injured
If you are injured, you should let the insurance company know, but you do not have to go into great detail right away. Wait until you see a doctor to get a real diagnosis and don’t try to tell the agent what you think of the injury just because they are asking. Tell them that you are not sure about the extent of the injury and that you are going to have to wait until you see a doctor.
Answering Questions
The insurance adjuster is likely to have a lot of questions. You should be very careful when answering. Only answer the question being asked without offering any additional details. If you don’t know the answer or are unsure, tell them that you don’t know and that you will have to get back to them. It could hurt your claim if you try to guess or make up answers.
Understand Your Rights
Do not agree to make a written or recorded statement to your insurer until you are sure about the answers and you have an understanding of how they could affect your legal rights to compensation. If you are unsure and you feel like you are being pressured into making a written or recorded statement, talk to a personal injury lawyer.
Tell the Truth
Always be truthful in your statements. You obviously do not want to tell any outright lies, but you should also avoid exaggerating or shading the truth in your favor. It might seem harmless, but it could come back to hurt your claim if the insurer finds out. Just stick to the facts, don’t give your opinion and if you don’t have an answer, tell them you don’t know.
Don’t Accept an Offer
Do not accept any early settlement offers until you know the full extent of the damages and you are sure that you are getting fair compensation. Insurers will often try to issue quick settlement offers in order to avoid bigger payments and legal fees. However, if you do accept that offer, you probably will not be able to get any more compensation in the future.
You might need to report the basic information soon after an accident, but that does not mean that you have to have all the answers or information your insurer requests. Report the basic information you have, avoid guessing, don’t give opinions and be honest. After that initial report, contact a lawyer and let them manage communications between you and the insurer.