You have been in an accident, and are dealing with the insurance people on your own. What do you say? What should you not say? Do you know?
First, understand that the goal of the insurance companies is to pay you nothing. If they cannot pay anything, then as little as possible. The best way to do this: Get admissions from you that they can use against you.
So, things you should never say:
- I’m sorry. This sounds like an admission of fault and that is how the insurance company will interpret it.
- I’m okay. This sounds like you are telling them “no injuries”. Insurance companies love hearing this. The problem is that injuries can sometimes take days or weeks to show.
- I just want this over as quickly as possible. Interpretation: I will take whatever low amount you want to give me.
- I think…. Do not “think”. Only say what you know. If you are not sure, just say “I don’t know”. Never speculate or offer your own opinions. Only give the facts you know.
LASTLY, DO NOT LET THE INSURANCE COMPANY CONVINCE YOU THAT YOU DON’T NEED A LAWYER.
Honestly, they hope you don’t get a lawyer. The insurance company would rather deal with you directly because 1) they know that most people don’t know the do’s and don’ts and 2) they will pay you less money than you will get being represented by an experienced Phoenix personal injury lawyer.
Having some knowledge regarding the things you should never say will help you in your personal injury case.