Insurance companies usually get to work immediately after their policy holders get into an accident by asking for the other driver’s statement and contact information. Even though this pays off for them, it may not be in your best interests so you should hire a car accident lawyer to be with you at the time. The questions they ask are scripted which you would expect in any interview. Here are some of them you may expect:
Please state your full name.
Do you know why we are conducting this interview?
Is it being recorded without you being aware of it?
What is the year, make and model of the vehicle you were driving at the time of your accident?
Were you using the vehicle for a job or for the government?
When and at what time did the accident happen?
Are you the registered owner of the vehicle?
What direction were you heading in before the accident?
Did you encounter moderate or heavy traffic?
Were you and your passengers wearing seat belts?
Did the airbag deploy during the accident?
And other simple questions that may throw you off if you don’t have answers prepared. The good news is that you can give clear and precise answers if you follow these tips:
Remain Polite and Calm
Even if you are still angry about the damage to your car or in pain because of your injuries taking out your frustration on the adjuster will compromise your chances of getting a fair settlement. The way you answer will determine the veracity of your claims so it is always a good idea to maintain a cool and calm demeanor. Be polite by asking for the insurance adjuster’s name, address and phone number as well as the name of the insurance company they work for.
Limit the Details
You can tell the insurance adjuster your name, address, contact information, where you work and what you do but nothing beyond that. Going into details about an accident that your cousin was involved in or details about your income will work against you because they have nothing to do with your case.
Do Not Give Detailed Statements
The insurance adjuster may try and make you give a statement about the accident and particularly about how it happened. He/she may try to wheedle it out of you during a casual conversation and you won’t realize till it is too late. If this happens, politely refuse to answer the question and stick to basic queries.
A professional and experienced car accident attorney can ensure your claim is not denied if you are not at fault for the accident. Contact one today!
