10 Words Not to Say to Insurance Company after Accident

Occasionally, automobile insurers and third parties pick words from a statement and use them against you. Sometimes you may get yourself in trouble when you talk too much. You may think that you are explaining or being helpful. So, what not to say to a car insurance company after an accident? Keep it simple and don’t say anything more than you have to. Particularly, avoid uttering below words as replies to questions they ask as they raise red flags immediately or at a later stage.

  1. talking to your vehicle insurerSorry: You may be sorry to see someone suffering, you may be a kind person and use it very often or you may say it for the lack of better word. However, you should never use it just after an accident involving other vehicles. They will pick up on that and accuse you of causing it quoting that you have already accepted the responsibility by saying SORRY.
  2. Fine: This is another one you should never use just following a crash. You may say it to calm people who care about you or you may be the type of person who doesn’t want to make a big deal out of small scratches. Again, they will quote you said FINE if you decide to make a claim for injuries once you see a doctor.
  3. Whiplash: This terminology is used so loosely and often used by people who make false accusations. You are not a doctor and you should not diagnose anything and discuss this with anybody. If you are going to make a claim for injuries see a doctor and let him/her to write a report. Uttering WHIPLASH following a collision triggers an alarm that they may want to examine you as early as possible in order to start their defense against fraudulent claims. The problem is that symptoms may be seen several days later.
  4. Intentionally: Automobile insurance companies don’t want to pay for damages that are caused intentionally. You don’t want to tell them that someone, especially one of family members or you, damaged the car INTENTIONALLY. If you are sure that your partner knowingly threw the trash can on it, don’t bother calling the carrier and telling them that. You will have to pay for those damages out of pocket anyway that there is no need to go on record. However, if your son or daughter accidentally slipped the baseball bat off his/her hand and hit the car, you want to phrase it carefully by sticking on the word ACCIDENT.
  5. Customized: Wouldn’t keep dropping CUSTOMIZED be funny if you have never discussed modifications before with anyone? You may think that it will allow you to make a bigger claim. But, auto insurers can use it as a reason to refuse a legitimate one if they didn’t know about any alterations made on the vehicle. Certainly they would want to know what you have done to it and how it contributed to the crash. You have to discuss the modifications made on the engine, axels, suspension, tires and other parts at the time of buying the policy. You may be able to include some of the improvements you made on the car up to a certain limit. You may be able to get a little bit more for a totaled car if it was well looked after as well. You can check what would be allowed and the policy limits first.
  6. Taken: A standard auto insurance policy covers the drivers in a household. You need to tell them who else has driving license in the house and they will take this information into account when calculating premiums. Unless specifically excluded, occasional drivers are covered as well. But people may be angry when a friend and relative takes the car keys and crashes it. They may imply that the vehicle was TAKEN without permission. In that case, they can refuse to compensate and you may end up in a real dispute with friends or extended family members. There are cases where other drivers argue in the court that allowing someone into a house and leaving car keys in the open view is an invitation to take it. Think carefully who would pay the damages if you claim that someone you know have taken it without your permission.
  7. Coincidence:  This is another trigger. You should try not to explain something already raising question marks with COINCIDENCE. You should be careful how to phrase the sentence if the car was burnt in a fire in an empty lot you have no reason to visit. Branding it coincidence only raise more questions.
  8. Hire: If you want to hire your car to third parties for a fee you need to discuss this with the insurer. If you have gone ahead and rented it and the other drivers caused a collision you need to think about it carefully. There is a high chance they may not compensate the damages and injuries, if they find out the vehicle was HIRED OUT for money.
  9. Business: Use of private automobiles for business can complicate things. Some states allow certain business or work use. If this was one off case you should be careful not to give impressions that you are regularly using the private car for business or while carrying out tasks required by an employment. You should discuss with them if the auto is being used in BUSINESS activities often and make adjustments to the coverage accordingly beforehand.
  10. Breakdown: A standard vehicle insurance policy normally doesn’t include breakdowns. You need to differentiate incidents from breakdowns before calling. You may have separate breakdown assistance either with the carrier or another company. So, check if you have coverage and which one you should call.

When you are talking to third parties and their or your insurers you need to choose the words with attention. If you talk much you have a higher chance of saying something you shouldn’t have. It may be an innocent slip of the tongue but it may cause you a lot of headaches later on. A claim that would have gone without a hitch may require convincing explanation and proof from you.

Claims adjusters can pick up on these words and make it difficult for you. You don’t want to give an impression that you don’t know what you are talking about, have something to hide or trying to make a false representation. So, it is important to know what to say to an insurance company after a car accident. If you are not sure about anything, talk to the agent off the record first and seek advice. You can also talk to an independent adjuster to help you, if you feel necessary.

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