After your recent accident while driving along Massachusetts’s roads, you want to repair your vehicle, address your injuries and move on with your life. Do you know what you should say to your insurance provider while making a claim?
USA Today offers advice for protecting your car insurance claim by watching what you say. Learn how to avoid becoming your worst enemy while seeking compensation.
Do not assume blame
Hopefully, you did not assume blame or apologize to the other driver after your collision. It is not your responsibility to determine the negligent party, so do not assume the role when talking to your insurance agent. Share the police report with your claims adjuster, and let professionals with more resources and experience than you determine whether you or the other driver bears fault for the accident. Even if you played a part in the incident, that may not disqualify you from receiving compensation.
Do not guess
When your agent questions you about the accident, do not be afraid to say, “I do not know.” You may feel that guessing helps your claim, but it may do the opposite. You do not know all the mitigating factors that led to your collision, and your guess may not account for unknown circumstances.
Do seek medical attention
Even if you feel fine after a minor collision, have a physician look you over. No matter if you tell your claims adjuster that you feel OK or have injuries, back your statement with proper documentation.
Car insurance companies do not always have your most favorable interests when investigating a claim. Do not let your words complicate your situation further.