What you need to know about insurance companies and providing a statement after an accident
The common thing that most auto accident victims do after engaging in a collision is file a claim through the at-fault party’s insurance carrier. Once the information is received regarding the accident, an insurance agent is likely to contact you if you were the injured victim filing the claim to find out more about the accident. But, our accident lawyers in Orem, Utah warn you to be leery of how much information you actually provide to an insurance adjuster or agent as they may take certain information and use it to negatively impact your claim.
So, if you were recently involved in a car wreck in the city of Orem, Utah, we want you to be aware of a few different things regarding insurance companies in general and what information you should provide to them.
Should I provide a statement when discussing my accident with an insurance agent?
In most instances after an accident has occurred, an insurance adjuster may attempt to ask questions and collect a statement from those involved in the crash to try and reduce the amount of the claim that was filed. Therefore, it is not recommended to provide a statement to an insurance adjuster regarding your accident for a number of different reasons. While it seems unfair and unethical, our accident and injury lawyers deal with these types of cases on a frequent basis.
To help you better understand why it might not be a good idea to provide a statement to an insurance agent, we explain a few reasons below.
- They may ask you for information that could later affect the outcome of your claim and what your claim is worth. For instance, if the insurance company asks you to provide a statement detailing what speed you think the other driver was traveling at, and you provide an estimate, your estimate might be exaggerated compared to the actual speed the driver was going and the insurance company could use this against you. They could very well claim that because you exaggerated the speed, you might be exaggerating other aspects of the claim such as your injuries and how serious they are.
- The insurance adjuster might ask you to expand on all the injuries you suffered from, however, some injuries are underlying and don’t reveal themselves until later on. So, if you leave something out in your statement and then ask for compensation for all your injuries, even the ones that came up after you provided your statement, the insurer might try to reduce your claim as they will say you never told them about certain conditions.
Some other important things to remember includes:
- Insurance companies want to protect their insureds and pay out the least amount of money as possible.
- Insurance companies are a business, and businesses want to protect their profits.
What should I do if I am unsure as to whether I should provide a statement?
The best thing to do is sit down with one of our Orem, Utah accident attorneys and allow them to review the details of your case. They can advise you on when or if you should provide a statement or let them speak on your behalf. Sometimes, when an attorney gets involved, insurers are less likely to try and get over on you knowing you have a legal hand helping you.
If you are ready to find a local accident attorney in Orem, Utah, give us a call now and we will be more than happy to help you.