Car accident insurance claims can be a headache. Insurance adjusters will ask questions, request statements and documents, and generally make the process confusing and stressful. As a car accident lawyer in Scottsdale, I’ve seen clients say things that they shouldn’t to an insurance adjuster. In this post, we’ll discuss what you should avoid saying to an insurance adjuster after a car accident in Scottsdale. So, what should you not say to an insurance adjuster after a car accident in Scottsdale?
Don’t Admit Fault
First and foremost, never admit fault to an insurance adjuster. Even if you think you may have been at fault, let a lawyer weigh in before you say anything. Arizona law is a “pure comparative negligence” state. This means that fault can be apportioned among all the parties involved in an accident. A statement admitting fault can be used against you and limit your ability to recover damages. So, when an insurance adjuster asks if you’re responsible for the accident, simply answer that the accident is under investigation.
Don’t Speculate or Guess
Secondly, don’t speculate or guess. If you don’t know something, it’s better to say, “I don’t know” than to make up an answer. An insurance adjuster might ask you questions about the accident that you’re not sure about. You might get tempted to fill in the gaps and make assumptions. But every statement that you give to an insurance adjuster will be made in good faith. A lie or misrepresentation of the facts can come back to haunt you.
Don’t Downplay Injuries
Similarly, don’t downplay the extent of your injuries. Saying something like “I’m fine” or “It’s not a big deal” can easily be taken out of context. It’s essential to give an honest and accurate representation of your physical condition to an insurance adjuster after a car accident. Some injuries can last months or even years, and you might not realize the extent of your injuries immediately after the accident.
Don’t Embellish Information
Fourthly, don’t volunteer information. Insurance adjusters will typically ask you for the facts that they need to know. You need to answer these questions truthfully and accurately. But don’t provide additional information, as this can give rise to further questions that you may not be prepared to answer. For example, if an adjuster asks you where you were driving before the accident, you should answer the question honestly. But if they don’t ask, don’t offer this information. This prevents the adjuster from using your own words against you later on.
Don’t Negotiate or Accept a Settlement
Lastly, don’t negotiate your settlement without a lawyer. Once you’ve given a statement, an insurance adjuster will likely try to get you to agree to a settlement. You’re not obliged to accept the first offer, and you’re not obligated to talk about it right away. Remember that insurance companies are not on your side. They want to pay out as little as possible. A car accident lawyer in Scottsdale can help you assess the value of your claim and negotiate a fair settlement.
What Should You Not Say to a Scottsdale Insurance Adjuster After a Car Accident?
When it comes to dealing with an insurance adjuster after a car accident in Scottsdale, it’s always best to be tactful and honest. If you’re unsure about what to say, don’t be afraid to ask for help. Contact my law office today if you have been in a car accident in Scottsdale and need guidance on the claims process. Remember, what you say to an insurance adjuster can affect the outcome of your claim, so be mindful of what you say.
