7 things You Should Never Do or Say to the Insurance Company After an Accident

Nationwide
Nationwide
Are these guys on your side? Nope.

Are you considering handling an accident claim without the help of attorney? If the accident was minor and there were no injuries involved, in most cases that is just fine. However, when injuries are involved, that’s when you may need the help of an accident attorney to make sure you get a fair settlement amount from the insurance company. This is how most people get screwed over by insurance companies. Make no mistake about it – these companies are 100% about maximizing profit for them and their shareholders and will stop at nothing to save a buck, and that includes trying to convince you to settle your claim without the help of an attorney.

Don’t get taken advantage of by the insurance company when trying to settle a claim!

While you should always report an accident to your insurance company, here are some tips for dealing with the insurance company after an accident that involves an injury and what not to do:

Don’t admit fault or blame for the accident to the insurance adjuster

If you expect to receive compensation, you will need to prove that the other party was at fault (at least partially in most states) in order to have a chance at receiving compensation. This can be used against you in court or in negotiations. We are not saying to lie. That is illegal of course, but get advice from an accident attorney on what to say and how to say it.

Don’t sign any documents or agreements without reading and understanding them first

Make sure you understand the terms and conditions of any document you sign, and consult with an attorney if necessary.

Don’t give a recorded statement without an attorney present

The other sides (the at-fault party) insurance company may ask for a recorded statement, but in most cases, you are not required to give one. When injuries are involved, you should do so only with the help of an attorney, to help ensure you don’t say something that will devalue your claim.

Don’t accept a settlement offer without consulting with an attorney or understanding the full extent of your damages

Insurance companies may offer a low settlement to save money, and an attorney can help you negotiate a fair settlement. They will also try to get you to settle early on, before you know the full extent of your injuries. It may be tempting to receive some settlement money, but don’t short change yourself. Give it some time to allow for other possible injuries to play out.

Don’t lie or provide false information to your insurance company

This can invalidate your claim and can be a criminal offense. This should be obvious, but we’re saying it anyways.

Don’t let the insurance company rush you into a settlement

They may try to pressure you into settling quickly, but you should take the time to consider your options and understand the full extent of your damages. Sometimes you may not know about an injury for weeks after an accident.

Don’t Give Unnecessary Details

Don’t give the insurance company more information than what they are asking for, this can only lead to potential problems. There is no need to mention that your car is customized or that you were having a bad day because your kids were sick, etc.

Don’t hesitate to contact an attorney if you are not being treated fairly

The best accident attorneys will make sure you are not taken advantage of and can provide guidance and representation throughout the claims process. They can help you understand your rights and options. Remember, a highly experienced attorney has been through this process hundreds or thousands of times before. They know exactly what to expect from pretty much any insurance company out there, including the companies listed in the table below.

Insurance CompanyTips
AAA Hawaii SettlementsClick Here
AAA Texas SettlementsClick Here
Acuity Insurance SettlementsClick Here
Affirmative SettlementsClick Here
Agency Ins Co of MD SettlementsClick Here
Alfa Mutual SettlementsClick Here
Allstate SettlementsClick Here
American Access SettlementsClick Here
American Family SettlementsClick Here
American Farmers & Ranchers SettlementsClick Here
American Financial SettlementsClick Here
American Independent SettlementsClick Here
American National (ANPAC) SettlementsClick Here
Ameriprise SettlementsClick Here
Amica Mutual SettlementsClick Here
Arbella Insurance SettlementsClick Here
Auto Club (AAA Southern Calif) SettlementsClick Here
Auto-Owners SettlementsClick Here
Automobile Club (AAA) SettlementsClick Here
Badger Mutual SettlementsClick Here
Bear River Mutual SettlementsClick Here
Branch Insurance SettlementsClick Here
California Casualty SettlementsClick Here
Cameron Mutual SettlementsClick Here
Celina SettlementsClick Here
Center Mutual SettlementsClick Here
Central Mutual SettlementsClick Here
Chubb SettlementsClick Here
Cincinnati Insurance SettlementsClick Here
Co Operative Insurance SettlementsClick Here
Colorado Farm Bureau SettlementsClick Here
Columbia Insurance SettlementsClick Here
Concord General SettlementsClick Here
Country Financial SettlementsClick Here
Country-Wide SettlementsClick Here
CSAA (AAA Northern Calif) SettlementsClick Here
CURE Auto Ins SettlementsClick Here
De Smet Farm Mutual SettlementsClick Here
Direct General SettlementsClick Here
Discovery Insurance SettlementsClick Here
Donegal SettlementsClick Here
DTRIC SettlementsClick Here
Elephant Insurance SettlementsClick Here
Erie Insurance SettlementsClick Here
Esurance SettlementsClick Here
Farm Bureau Property Casualty SettlementsClick Here
Farmers Alliance SettlementsClick Here
Farmers Insurance SettlementsClick Here
Farmers Mutual SettlementsClick Here
First Ins Co of Hawaii SettlementsClick Here
Frankenmuth Mutual SettlementsClick Here
Gainsco SettlementsClick Here
GEICO SettlementsClick Here
Georgia Farm Bureau SettlementsClick Here
Germania SettlementsClick Here
GoAuto SettlementsClick Here
Grange Insurance SettlementsClick Here
Grinnell Mutual SettlementsClick Here
Hochheim Prairie Ins SettlementsClick Here
Home State Insurance SettlementsClick Here
Horace Mann SettlementsClick Here
IDS (Ameriprise) SettlementsClick Here
IMT Mutual SettlementsClick Here
Indiana Farm Bureau SettlementsClick Here
Indiana Farmers Mutual SettlementsClick Here
Infinity SettlementsClick Here
Iowa Farm Bureau SettlementsClick Here
Island Insurance SettlementsClick Here
Kemper / Unitrin SettlementsClick Here
Kentucky Farm Bureau SettlementsClick Here
Key Insurance Co SettlementsClick Here
Liberty Mutual / Safeco SettlementsClick Here
Louisiana Farm Bureau SettlementsClick Here
Loya SettlementsClick Here
Madison Mutual SettlementsClick Here
Main Street America SettlementsClick Here
MAPFRE SettlementsClick Here
Mercury General SettlementsClick Here
MetLife SettlementsClick Here
Michigan Farm Bureau SettlementsClick Here
Mid-Century SettlementsClick Here
MissouriFarm Bureau SettlementsClick Here
MMG Insurance SettlementsClick Here
Motorists SettlementsClick Here
Mountain West Farm Bureau SettlementsClick Here
Mutual of Enumclaw SettlementsClick Here
National General SettlementsClick Here
Nationwide SettlementsClick Here
NJM (New Jersey Manufacturers) SettlementsClick Here
noblr SettlementsClick Here
Nodak Mutual SettlementsClick Here
North Carolina Farm Bureau SettlementsClick Here
North Star Mutual SettlementsClick Here
Northern Neck SettlementsClick Here
NYCM Insurance SettlementsClick Here
Ohio Mutual SettlementsClick Here
Oklahoma Farm Bureau SettlementsClick Here
Oregon Mutual SettlementsClick Here
Patriot Insurance SettlementsClick Here
Pekin Insurance SettlementsClick Here
Pemco Mutual SettlementsClick Here
Penn National SettlementsClick Here
Pioneer State Mutual SettlementsClick Here
Plymouth Rock SettlementsClick Here
Progressive SettlementsClick Here
Providence Mutual SettlementsClick Here
PURE Insurance SettlementsClick Here
QBE / Unigard SettlementsClick Here
Quincy Mutual SettlementsClick Here
Republic SettlementsClick Here
Rockingham Insurance SettlementsClick Here
Root Insurance SettlementsClick Here
Rural Mutual SettlementsClick Here
Safe Auto SettlementsClick Here
Safety Insurance SettlementsClick Here
Safeway Insurance SettlementsClick Here
Secura Insurance SettlementsClick Here
Selective Insurance SettlementsClick Here
Sentry Insurance SettlementsClick Here
Shelter Insurance SettlementsClick Here
South Carolina Farm Bureau SettlementsClick Here
Southern Farm Bureau SettlementsClick Here
Standard Fire (Travelers) SettlementsClick Here
State Auto Mutual SettlementsClick Here
State Farm SettlementsClick Here
Tennessee Farmers SettlementsClick Here
Texas Farm Bureau SettlementsClick Here
The General SettlementsClick Here
The Hanover SettlementsClick Here
The Hartford SettlementsClick Here
Travelers SettlementsClick Here
Umialik SettlementsClick Here
Union Mutual SettlementsClick Here
USAA SettlementsClick Here
Utica National SettlementsClick Here
Vermont Mutual SettlementsClick Here
Virginia Farm Bureau SettlementsClick Here
Wawanesa SettlementsClick Here
West Bend SettlementsClick Here
Western National SettlementsClick Here
Western Reserve SettlementsClick Here
Westfield Insurance SettlementsClick Here
Wisconsin Mutual SettlementsClick Here
Young American SettlementsClick Here


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