After being in an accident, there’s a good chance that the at-fault party’s insurance company will contact you. In any event, you will need to inform your own insurer about the accident as well. Regardless of which insurance company you are dealing with – even your own – it is important that you be cautious about what you communicate.
Beyond relaying basic information about the accident, anything you say in addition could jeopardize your ability to recover a full and fair amount of compensation. Before speaking with insurers, talk to an experienced Syracuse accident attorney. Carden Dotzler Hammond, PLLC has you covered.
What To Tell Your Insurer
After an accident, it is important that you notify your insurer soon after since your policy will require it. Provide basic details such as your name, address, policy number, the police accident report number, the identities of the other parties involved, and the date and location of the accident. Aside from these simple details, you should limit what you tell your insurer.
This is the case even though New York is considered a “no-fault” insurance state. This means your insurer will cover your injuries after an accident regardless of who caused it. Even so, insurers look for reasons to deny valid claims and you should be cautious about what you say.
What To Not Say
Understanding what to tell your or the other driver’s insurer after an accident can be better thought of in terms of what not to say. It’s important that you avoid telling the insurance companies the following:
- You’re sorry for the accident: Apologizing in any way for the accident, or even expressing remorse that someone was hurt, could be construed as admitting liability. It’s not recommended that you say you’re sorry to any insurance adjuster you speak with.
- You caused the accident: Even if you believe you caused the accident, do not admit fault. There may be other causes you do not know about or you could be mistaken about your own role in the crash.
- Who you think caused the accident: You may be tempted to immediately blame someone else for the accident, and perhaps you are correct. However, even if your statement ultimately turns out to be true, now isn’t the time to assign fault.
- You used drugs or alcohol before the accident: Either your insurance company or the at-fault driver’s insurer may use this fact against you. Even if it was hours or days prior to the accident, do not even discuss drug or alcohol use.
- You weren’t injured: You may genuinely believe that you weren’t hurt in the accident, but some injuries do not manifest themselves until hours or even days later. Stating this could be used against you even if it turns out you were really hurt.
- You weren’t injured seriously: Likewise, you may not be able to properly gauge the extent of your injuries. Always let a qualified Syracuse medical professional make this judgment call.
- Irrelevant details: Information about your family history, previous injuries or accidents, your job, or anything else irrelevant to the accident should be left out. Never give the insurance company anything more than is necessary to convey basic, objective facts about the accident.
- You’ll accept a settlement: The insurance company may make a settlement offer or start throwing out numbers to see if they can get a response. Don’t accept any offers (no matter how good they sound) or discuss dollar figures before speaking with a lawyer.
Perhaps the Worst Thing You Can Say
Arguably one of the worst pieces of information you can relay to the insurance companies is that you do not have legal representation. Insurers love dealing with accident victims who do not have lawyers because they see them as easy targets. You can expect low-ball settlement offers, bad faith practices, and unreasonable delays if you tell the insurer you have no attorney.
So speak with our Syracuse personal injury law firm. We can review the details of your accident and begin negotiating for a fair settlement that will compensate you and help you move on. Before communicating with the insurers, connect with CDH Law.