3 Things You Want to Avoid When Speaking With the Insurance Company After an Accident

Young woman sits at a desk talking on the phone with a laptop and notebook in front of her

Speaking with the insurance company following a crash can be tricky. You want to make sure you are honest and transparent about the events of the accident, but you also don’t want to say anything that can hurt your claim.

Here are three things you should avoid when speaking with the insurance company:

Avoid These 3 Things

#1 - Don’t provide your statement before you’re ready.

The other party’s insurance company may attempt to catch you off-guard by calling you soon after the wreck to request that you provide an accident statement. Keep in mind that you are not required to provide your statement before you’re ready.

Additionally, you aren’t required to provide your statement over the phone. You have the following three options for providing your statement:

  • Over the phone
  • In writing
  • Your attorney can provide it for you

It’s in your best interest to consult your attorney before speaking with the insurance company at all. To that point, it’s a good idea to have your attorney with you when you provide your statement so that you can avoid making valuable mistakes with your claim.

#2 - Don’t provide details that aren’t asked of you.

As a general rule, it’s wise to only answer the questions that are asked of you. Don’t offer up additional information that isn’t specifically requested.

Make no mistake: everything you say to the insurance company can and will be used against you.

#3 - Don’t speculate or make assumptions.

If the insurance company asks certain details about the accident that you don’t know, tell them that. Don’t ever attempt to speculate or make any assumptions about the crash. It’s okay not to know certain details.

We’re Here to Help

If you’ve been involved in a collision through no fault of your own, you may be entitled to compensation. Contact us right away to see if we can help.

Call Shapiro Law Firm, P.A. today at (850) 629-7226 for a free consultation.

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