5 Things to Never Say About an Injury Claim to an Insurance Company | Colorado Springs Injury Lawyers
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After filing an accident claim with an insurer, you will likely be contacted as they investigate your claim. The person contacting you will be kind and supportive but remember this is their job. Insurance companies are big business, and they stay profitable by limiting how much they pay out on claims.
The insurance adjuster who contacts you is trained to root out any details that can help them limit your compensation. Keep this in mind as you communicate or consider hiring an attorney to communicate on your behalf.
If you or a loved one has been injured in an accident, call Zinda Law Group at (800) 863-5312 for a free consultation with an experienced injury attorney in Colorado Springs.
What Not to Say to an Insurance Adjuster
While you may be contractually obligated under your policy to make a statement to your insurance provider, you are not required to communicate with another party’s provider. If, for example, you are injured in a car accident, you do not have to communicate with the other driver’s insurer and can refer them to the police report.
If you are asked by an insurance company to be recorded on a call or for a statement, you should politely refuse. Anything you say to an insurance adjuster can be used against you, so it is best to contact an injury attorney for advice and assistance navigating the process. If you are going it alone or haven’t yet hired an accident attorney, below are some things you should avoid saying to preserve the viability of your claim.
Many of us say sorry out of habit or to be polite, but when dealing with an insurance adjuster, this innocent word can have significant repercussions. Adjusters will often flag the use of this word as you admitting fault or blame.
2. “I’m fine”
If you say this to an insurer, they are going to interpret it as though you didn’t suffer any injuries that require compensation. While you may not consider saying this to the adjuster, people often say this to witnesses or officers at the scene of the incident. Refrain from saying you are fine until you have time to fully appreciate any injuries you may have sustained.
3. “They came out of nowhere” or “They had to have been speeding”
Statements like this often trigger an adjuster to ask additional questions. They begin to wonder if you were not paying attention or failed to check before entering an intersection. It is best to avoid any statements that prompt an adjuster to investigate if you shared fault.
4. Agreeing to sign a statement or release documents
As discussed above, adjusters are out to limit your injury claim. When it comes to medical documents, an adjuster can search all of your history and may find a way to claim your injuries were preexisting. If you agree to sign a statement or be recorded, you may have backed yourself into a corner, and your words may come back to haunt you later.
5. “I don’t have an injury attorney”
If you have yet to hire an attorney you can always change your mind at any time in the process and seek representation.
Get Help from Skilled Colorado Springs Injury Lawyers
Dealing with an insurance company after an injury can be overwhelming and intimidating. If you or a loved one is filing a claim, you may need assistance from an experienced lawyer in your area.
At Zinda Law Group, our Colorado Springs personal injury attorneys have helped thousands of injury victims get their lives back on track after an accident. We have the knowledge and resources to help you build the strongest claim possible and to pursue maximum compensation for medical bills, property damage, lost income, pain and suffering, and much more. And as one of our clients, you will pay nothing unless we win your case.
If you have been injured in an accident, call Zinda Law Group at (800) 863-5312 for a free consultation with one of our Colorado Springs personal injury lawyers. Meetings with attorneys by appointment only.