After a car accident, you may have a lot of overwhelming emotions. You may feel as if you need to rush through wrapping things up. This may lead you to take steps that will end up hurting you in the long run. A good example is when you offer too much information to an insurance company.
It is always important to remember that insurance companies have the goal of making money. This means that when it comes to paying out a claim, they will always try to pay out the least amount of money possible. One of the biggest mistakes you can make when dealing with an insurance company after an accident according to U.S. News and World Report is talking too much.
Be careful what you say
The problem with being too open with information is that you could say something your insurer will use against you to avoid paying the claim or to pay a reduced claim. There are many things you may casually state in a call that an insurer will pick up on as a way to legally get out of paying you what you should rightfully receive. Do not give an insurer the chance to deny your claim based on the information you gave.
Stick to the basics
In general, when talking with any insurance company, you want to just give the basic information. Avoid answering leading questions that try to get you to talk more. You want to stick to the facts, and that is all. Do not elaborate or get too chatty with the person from the insurance company. He or she may make you feel at ease and make the situation feel casual, but the reality is that whenever you talk to your insurer, you are probably on record. The company can and will use anything you say, no matter how minor it may seem, against you to avoid paying out a large claim.
