What should I say to my auto insurance company if I’m injured?

Avoid implicating yourself until the police determine who is at fault. Drivers with clean records pay $137.75/mo less on average for auto insurance than higher-risk drivers.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 22, 2020

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Things to Remember...

  • Once you admit fault, your insurance company may find ways to avoid paying your claim
  • Your body may be in shock and so you may think you are fine. Waiting until the shock wears off to tell your insurance company of your medical condition is always best
  • Once you accept a settlement, it is very hard to retract it
  • A picture is worth 1,000 words; so the more pictures of injuries and your vehicle you provide the better
  • Many companies have a first rejection policy where they instruct agents to reject the first claim no matter what – so don’t be discouraged after your first try

Being injured in an automobile accident is traumatic enough without having to think about how to relay the information to your auto insurance agency.

However, there are some things one shouldn’t say to their auto insurance company if they are injured. Some of these things include:

  • “It was my fault”
  • “I’m fine”
  • “I’m sorry”
  • “I do not have an attorney”
  • “I accept your settlement offer”

There are very good reasons as to why you shouldn’t say the above things to your auto insurance company. As soon as you admit fault, your insurance company may begin finding ways to avoid paying your auto insurance claim.

The key to saving time and headaches in the event of an accident is to start off with a trustworthy insurance provider from the beginning. Use our FREE online tool to search rates now!

Why shouldn’t I say certain things to my auto insurance company?

Sometimes a person admits fault without knowing all the information. The fault should only be determined by the police at the scene after a comprehensive review of the accident.

Many people walk away from an accident and say, “I’m fine” when they really don’t know their own medical state. Often after an accident, drivers or passengers are in shock and don’t feel pain. Sometimes internal injuries don’t show themselves until later.

This is why it is always best to wait before telling your insurance company how you’re really feeling. Even waiting for just 24 hours can make a difference. You can see differences in your body after the adrenaline from the shock has worn off.

Saying “I’m sorry” is another way of inadvertently admitting you are at fault. Some people tend to say this just because they are upset about the car accident or feel bad if someone else was injured.

Holding back on these few words can make the difference in getting the payment you deserve.

Also, telling the insurance company that you don’t have a lawyer lets the company know that you may be more likely to accept a lower claim than you deserve. This does not mean that all insurance companies are dishonest or are out to get you; it just means you have less negotiating power.

Likewise, don’t be too quick to tell your auto insurance company that you accept their settlement offer. Once you say those words verbally or in writing, it is very hard to retract.

After accepting an amount, in most cases, you would have to take your insurer to court just to change the amount.

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What should I say to my auto insurance company when I’m injured?

You do have to communicate with your insurance company when you are injured in an accident. In most cases, reporting within 24 hours of the accident is best.

You will want to tell the insurance company when and where the accident occurred.

However, beyond stating the simple facts of the incident, you should wait until you have been medically assessed before you give more information.

After you have been seen by a doctor or have gone to the hospital, you will need to give the medical reports to the insurance company.

You will also need to give any other documentation such as police statements, witness statements, and estimate forms from mechanics for your car repairs.

A picture is worth 1,000 words; so the more pictures of injuries and your vehicle you provide the better.

Even though many thoughts may be racing through your mind in the case of an accident, be sure to snap a few pictures of the damages so that you can prove your case.

What do I do if the insurance company does not want to pay my claim?

If the insurance company does not want to pay your claim, don’t be discouraged. Many insurance companies have a first rejection policy where they instruct agents to reject the first claim no matter what.

You can resubmit your claim if it is rejected, providing any additional information that has been requested. Some people may give up after their first rejection. It is important to try again.

If your second claim is rejected, and the amount is significant, you may want to enlist the help of a personal injury lawyer.

Though the lawyer receives a portion of the settlement, having professional expertise will help you receive a higher settlement in most cases.

Be sure to read over your policy and be very familiar with what should or should not be covered.

Either way, persistence is the key. Do not give up, do not be afraid to ask questions, or refuse to answer questions, until you have gathered all the information necessary.

Lastly, never sign anything until you are absolutely sure it is the settlement you want and deserve.

The key to saving time and headaches in the event of an accident is to start off with a trustworthy insurance provider from the beginning. Use our FREE online tool to search rates now!

References:

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