The aftermath of a car accident is often just as overwhelming and stressful as the accident itself. You may find yourself having to balance recovering from your injuries with repeating the details of the crash to police officers and family members alike.
You may also have to speak with the other driver’s insurance company. If you find yourself in this situation, it’s important to know how to protect yourself so that you can receive the money you need to pay for your damages.
1. Stick to the facts
Avoid giving an insurance adjuster long, laborious details about your accident. The more you share, the more material they will have to use against you should you file a personal injury claim. Also, sharing too much information can unintentionally assign fault to you.
It’s safe to stick to the who, where and when of the accident. Basic information like the vehicles involved and the identity of any witnesses are generally safe to give. If you aren’t sure what to say, don’t be afraid to politely decline to give further details.
2. Refrain from describing your injuries
Some car accidents result in instant injuries that are visibly apparent. But other times, you might experience delayed injury symptoms that might not appear until days or even weeks after the crash. Because of this, avoid telling insurance adjusters about your injuries. You may not know the full extent of them yourself.
If you reveal the details of your injuries, your insurance company may have an easier time arguing that any delayed symptoms are unrelated to your accident.
3. Don’t accept the first settlement
Insurance companies want to save money where they can. Insurers depend on the desperation of injured car accident victims and their desire to move past the incident to accept an early settlement. As a result, the first settlement they offer to you will probably be too low to cover the bulk of the damages you received.
While it can be tempting to accept the money, you may be entitled to more compensation. When you accept an early settlement, it’ll probably end up costing you more money in the long run. Take time to determine the extent of your damages so that you receive the compensation you need to recover.