DEALING WITH INSURANCE COMPANIES
Don’t be lulled into thinking that your insurance company is on your side. Insurance companies usually try to act friendly, but the truth is that they do everything they can to reduce the amount of money they have to pay injured people an accident. To them, how much to pay is a business decision—and they don’t make money by paying people. If someone from your insurance company asks you to make a recorded statement after an auto accident, be careful. Usually, they’re recording what you say in hopes that they can use it against you later. You may think to yourself, “Should I give a recorded statement to the insurance company?” The answer is, no. No, you should not agree to give a recorded statement to the insurance company. There are several reasons you should not give a written statement or allow an insurance adjuster to record you.
1. Insurance companies want to settle quickly for the lowest amount of money possible. The person who interviews you may rush the interview, ask leading questions, or try to make you say things that the insurance company can use against you.
2. Your statements may be taken out of context.
3. You may inadvertently say something that the insurance company will use to claim that you’re responsible for the accident.
If you talk to your insurance company within a day or two of the accident, you may not even be aware of the extent of your injuries. After a car crash your adrenaline is racing. Some symptoms don’t appear until days or weeks after a crash, so you don’t want to tell the insurance adjuster your injuries are minor if there is a possibility that something more serious has occurred. Do not say anything until you speak to an attorney. Do not give a recorded statement—you are under no obligation to give one.