Soon after a car accident, insurance adjusters will contact you. While they may appear friendly, seeking information to resolve your claim, their goal is also to gather information that could undermine it and reduce their company’s liability. They will ask questions to understand the accident’s nature and injuries, and to determine appropriate compensation. Therefore, you should be extremely cautious when interacting with an insurance adjuster, as innocent comments could be used against you. Please continue reading as we explore what you should avoid saying to an insurance adjuster to preserve your injury claim and how our experienced Westchester County Car Accident Attorneys can assist you.
What Should I Avoid Saying to an Insurance Adjuster After an Accident in New York?
New York accident victims are not obligated to provide more than basic information to an insurance adjuster. Victims should always avoid:
- Admitting Fault (Even Partial): Insurance adjusters often aim to shift blame away from their insured. Even if you believe you might be partially at fault for the accident, you should refrain from discussing this with an adjuster. It’s advisable to avoid any language that sounds apologetic. Any admission of fault can significantly reduce the compensation you may be entitled to or diminish it altogether.
- Discussing Injuries: It’s important to understand that only a medical professional can accurately assess your injuries and predict recovery. Your conditions can change, with injuries potentially worsening or new ones being discovered. An insurance adjuster may try to downplay the severity of your injuries or suggest they are pre-existing conditions to minimize their liability. To prevent them from devaluing your claim, you should avoid discussing your injuries and prognosis.
- Discussing Accident Details Beyond the Basics: You should limit your conversation by sticking to the facts, including the date, time, location, vehicles involved, and names of any witnesses. Avoid offering further information or speculation, even in casual conversation. While they may seem friendly, they don’t have your best interests at heart.
- Allowing a Recorded Statement: Although an adjuster will likely ask, you are not obligated to provide a recorded statement. This is a significant pitfall, as they may use this recording to twist your words and cast doubt on the validity of your claim.
- Accepting the First Settlement Offer: You should never immediately accept a settlement offer. Doing so can place you in a precarious position in the future, particularly if ongoing care and additional compensation become necessary.
At Hausman & Pendzick, we are prepared to help you understand your rights and options, ensuring you receive fair compensation for your damages. Our legal team can handle all communication with the adjuster, shielding you from potentially harmful tactics. Connect with our firm today to learn how we can fight for you.