When you get involved in a car accident case, one thing you must take care of is what you say to the insurance company. You might receive a call from the insurance adjuster of the other party soon after the accident. They will try to use their dirty tricks to get you to say something you do not mean or accept a lower settlement offer than you deserve.
When they get to know that you are working without a Philadelphia car accident attorney by your side, they are even happier because it becomes easier to trick you. This is why it is essential to understand what to say and what not to say to the insurance adjusters.
Why it is so important not to talk a lot when speaking to the insurance adjusters
Every driver in Philadelphia should carry motor insurance to protect themselves from liability in the case they injure someone because of their negligence on the road. The insurance funds can be used to cover the victim’s medical bills, repair costs, or any out-of-pocket expenses.
When a car accident happens, the victims usually suffer a lot. This might cause one to think that an adjuster might be sympathetic to your needs and want to help you. However, this is not the case. Insurance adjusters are rarely ever sympathetic to anyone’s story.
Here are a few mistakes people make when speaking to insurance adjusters:
- Apologizing for the crash. Saying things like “I am sorry” or “I apologize” can be taken as an admission of guilt, and they may blame you for the entire thing. There is no harm in checking up on whether they are alright or not. But, do not say things that might indicate that you feel guilty about the incident.
- Giving unsure information to the insurance adjuster. If you do not have much information about how the accident unfolded, simply say that you do not know instead of assuming things. Giving inaccurate information can cost you later.
The insurance adjuster’s goal does not align with yours
When the insurance adjuster calls you, they may ask you about your health and whether you are okay. This might cause you to think that they are sympathetic toward your situation and may want to help you. However, remember that the insurance adjuster’s goal never aligns with yours. They will always look out for their own company’s profit.
What to do if you misspeak?
If you have already said something to the insurance adjuster that can harm your case, your best option is to speak to a car accident attorney. They can deal with the insurance company on your behalf and do the much-needed damage control.