What Should You Say (And Not Say) To an Insurance Company After A Truck Accident?
If you are involved in a truck accident in Georgia, you will have to talk to both your insurance company and the insurance company of the other person involved in the accident. However, it can be a tricky process insofar as knowing what to say, and not say, so as not to put your case in jeopardy.
Before speaking with an insurance company, it is strongly urged that you contact a lawyer first. Our lawyers here at Prieto, Marigliano, Holbert & Prieto, LLC have years of experience running interference with some of the toughest insurance companies.
Before You Face An Insurance Company Alone, Call Us!
Talking to an insurance adjuster can be a harrowing ordeal, even if you have done nothing wrong. Do not let them get inside your head. Remember, in the business world, you have to turn a profit to stay in business. Even if their client is 100 percent in the wrong, they’re still going to fight your claim with all they have.
One of the experienced personal injury lawyers on our team can help you fight. We have dealt with all levels of insurance companies over the years, from the insistent to the negligent. Give us a call at (855)-329-7144 to find out more.
What You Can Say
When talking to an insurance company, there are some things you can say without any fear of repercussion. These things include:
- The facts, as they happened
- The other party’s information
- The location of the vehicle
When relating facts to the insurance company, keep things short and to the point – no guesstimates or exaggerations. You can provide the adjuster with the date, time, and location of the accident. You can also provide information with regard to the weather that day and whether you saw the other driver run a red light or texting while driving.
Remember, the more you say, the more the insurance company can use to bury you. And no matter how angry you may be about the accident, stay on point. The truth will set you free.
What You Should Never Say
There are three things you should never say to an insurance company, and they are:
- I’m Sorry – “I’m sorry” can be taken as an admission of guilt.
- I’m Fine – Never say you’re “fine” unless you have been thoroughly examined by a doctor and you are not in any pain.
- I Think I Have… – Never self-diagnose by saying things like “I think I have whiplash.” Injuries can sometimes get worse as time passes, and then you’re claiming less than what you’re actually suffering with.
Make sure that when you talk to the adjuster, you are not feeling angry, scared, or anything but calm. If the adjuster calls you immediately following the accident, and you are still not ready to talk, you can have someone else take the call and report the facts for you. However, you have to be able to trust this person to report only the facts. He or she is not to speculate on any details surrounding the accident.
The best way to ensure this is to hire a lawyer who knows all the rules to make the call for you. With a good lawyer, you don’t have to worry that you or your friend or loved one will say something to compromise the future of your claim. You can rest easy, knowing that you’re in good hands, and that your case is being properly cared for.
Sometimes, simply talking to the insurance company isn’t good enough. Some insurance companies like to take recorded statements. If an insurance company asks you to grant them permission to take a recorded statement, refuse to give them that permission.
What insurance companies will do is compare your recorded statement to the statement you gave to police at the time of the accident. If the stories don’t match up (and they often don’t, as a person can tell a story differently after telling it multiple times), your claim can be denied.
Adjusters have also been known to ask you questions in such a way that your answer can lead to the denial of your claim. For instance, an adjuster may get pushy with you, almost like an interrogation. He keeps asking you if something happened, and you say, “I guess so” to get him to stop, even if the thing that he’s asking never really happened. And then that’s it – case denied.
We here at Prieto, Marigliano, Holbert & Prieto, LLC cannot recommend strongly enough that you speak with an attorney before you speak to an insurance adjuster. You should also obtain a copy of the traffic crash report made in your case so that you can refer to it when relating the details of what happened to your lawyer and/or to the adjuster.
Fill out the form to the right, or call us at (855)-329-7144 to speak with one of our experienced professionals. You will receive a free consultation with no obligation to retain, along with the peace of mind that comes from speaking with someone who was on your side from the beginning.