Immediately following any motor vehicle accident that results in an injury most people focus on doing whatever they can to quickly resolve the situation. Though most people are aware of what steps to take to report an accident and initiate a claim, many do not know what actions should be avoided. The loss of a vehicle, reduced income caused by lost wages, and mounting medical bills can combine to create a stressful environment. Insurance companies are aware of this and will take advantage an accident victim or those close to them. Being aware of things to avoid after an accident when dealing with a claims adjuster will increase your chances of resolving your claim successfully.
Never Admit Fault
When it comes to admitting fault, there are times when an innocuous statement could be interpreted as an admission. Something as a simple as an apology in the form of “I’m sorry” may cause trouble in the future. Do not say anything verbally, or put anything in writing, that gives an implication of guilt or the appearance of admitting fault in an accident. If the other driver or their passenger makes an incorrect statement that implies you were at fault, disagree with them and get the contact information of anyone witnessing the conversation.
Avoid Signing Releases
After initiating a claim with an insurance company the adjuster assigned to your claim will request access to the medical documents associated with the accident. A medical release is typically sent via email or postal mail and you are asked to sign it before returning the document to the claims adjuster. These release forms likely give the insurance company access to a wide variety of medical records including those records that are not associated with accident related injuries.
Do Not Give Recorded Statements
Claims adjusters may ask that you provide a recorded statement at some point in the process. In most cases this request is made immediately following the accident when a victim is still being treated for injuries. A person who is under pressure, in pain, and using an unfamiliar prescription may give an incomplete or rushed statement. Later, when the claim is being discussed, the recorded statement might be referenced by the claims adjuster. Any discrepancies or inconsistencies might be used to discredit the person filing the claim.
Get the Help of an Experienced Lawyer
The best way to avoid making any mistakes or missteps that will negatively impact your claim is to talk to a personal injury lawyer as soon as possible. In fact, contacting an lawyer the day the accident occurs is often the best decision an accident victim makes. An lawyer can help guide you or your loved one through the stressful process of filing an accident claim. John Piccin and Katie Glynn at Piccin & Glynn are able to negotiate with the insurance company and protect your interests. Conveniently located in Ocala, Florida our firm is able to provide you with a consultation allowing you to discuss your unique situation. Call 352-558-8480 today to schedule a free consultation.
Resources:
insurancehotline.com/six-things-not-to-do-after-a-car-accident/
marketwatch.com/story/what-not-to-tell-your-insurer-after-an-accident-2010-08-13