What should you not say in an insurance statement?

Avoid using phrases like “it was my fault,” “I’m sorry,” or “I apologize.” Don’t apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.

How do you write an insurance company statement?

Provide general information at the beginning of the statement such as your name, policy number, location, date and time of the loss, parties involved, witnesses, and police and/or fire department report number. If you were involved in a car accident, include the type of weather occurring at the time of the loss.

What should you not say to an adjuster?

Never say that you are sorry or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce the liability of an insurance company, and any admission of negligence can seriously compromise a claim.

What should I say to my insurance adjuster?

Tips for Talking to an Insurance Claims Adjuster

• Remain Calm and Polite.
• Identify the Person You Are Speaking With.
• Give Limited Personal Information.
• Give No Details of the Accident.
• Give No Details of Your Injuries.
• Resist Initial Settlement Offers.
• Refuse to Give Recorded Statements.

Can I make my own personal injury claim?

Make a personal injury claim Official Injury Claim makes the claim process simple, unbiased and secure so you can claim for minor injuries yourself for free without legal help.

Do insurance companies talk to each other?

Answer provided by While car insurance companies don’t talk directly to each other, they do share information. All car insurance companies can access your claims history through a database called the Comprehensive Loss Underwriting Exchange (CLUE).

What evidence do you need for personal injury claim?

Documents and evidence to prove liability Photographs of the accident location. Photographs of your injuries. Any written reports from where the accident took place or if the police attended. Documentation you have from any witnesses.

Does a personal injury claim affect insurance?

If you make a personal injury claim after a car accident, it may affect your car insurance premium if it is part of a claim that includes the repairs to your vehicle. This is because even if the accident was not your fault, your insurer may consider that you have a higher risk of having further accidents in the future.

Can other insurance companies see your claims?

Yes. There are specialty consumer reporting agencies that collect information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies. They may also collect driving records.

Can I refuse to give my insurance details?

If nobody has been injured as a result of the accident, there’s no legal requirement to provide details of your car insurance, but it might speed up the claims process if you exchange insurance company details and policy numbers.