What I Wish I Knew Before Talking to the Insurance Company

It happened on a Thursday evening. I was heading home after my office, the next, I was on the shoulder, airbags deployed, heart pounding. A few hour later, my phone buzzed. It was the other driver’s insurance company… and I picked up. The rush to “just get it over with” clouded my judgement, but I soon realized that I was in over my head. The stress and confusion of the moment made me vulnerable to mistakes that could have cost me dearly.

I Thought They Were on My Side, but They Weren’t

Insurance adjusters sound helpful and sympathetic, but their primary goal is to minimize payouts. They are trained to ask questions that might seem harmless but can actually weaken your claim. They ask about the injuries, the accident scene, and my previous health conditions, all in an effort to find reasons to reduce your compensation. Understanding their tactics can help you avoid falling into traps that could diminish your claim.

I Said Too Much Without Realizing It

In the heat of the moment, I shared details without thinking about how they could be used against me. Casual comments about the accident or your condition can be twisted to reduce your compensation. For example, saying something like, “I’m feeling okay” or “I wasn’t really hurt that badly” could be used to argue that your injuries are not severe. It’s essential to be cautious about what you say and making statements that could harm your case. Remember, it’s always better to say less until you have legal guidance.

I Didn’t Know I Could Say ‘No’

You have the right to refuse a recorded statement or delay the conversation until you have legal advice. It’s okay to say, “I need to speak with my lawyer before proceeding.” This simple step can protect you from inadvertently harming your claim. Insurance companies may try to rush you into giving a statement, but you have the right to take your time and seek advice.

A Lawyer Would’ve Handled It All for Me

A St. Louis Car Accident Lawyer would have taken the pressur off by managing all communication with the insurance company. They would have protected my claim by ensuring that I didn’t inadvertently say something harmful and by negotiating for fair compensation. 

Looking back, I wish I’d made one call before answering theirs, because once a car accident lawyer got involved, everything changed. If you’re ever in this position, let the experts speak for you.