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10 ways to sabotage your insurance claim

On Behalf of | May 30, 2023 | Insurance Coverage | 0 comments

After the chaos and tumult of a motor vehicle accident, you might feel duly overwhelmed with all that there’s to do, to recoup and regroup, and it’s a lot. At the same time, it’s imperative to be cognizant of what NOT to do. Otherwise, you might significantly undermine the resolution of your insurance claim.

Don’t downplay your injuries

Literally, do not say to anyone, “I’m OK.” Be concise, be truthful, and, if appropriate, instead say, “I don’t need an ambulance.” Symptoms do not always present on Day 1. Don’t rule them out or help anyone else to.

Don’t delay obtaining medical care

Leave assessments and documentation to the medical professionals and obtain that support ASAP. Even a day or two lost leave an opening to an insurance adjuster to assert that whatever pain and suffering you have was caused in some other way.

Don’t wait to take action be it medical care or legal legwork

In Texas, there’s a two-year statute of limitations for personal injury claims. Building cases takes time, one block depending on the next, and the clock is already ticking.

Don’t give extra information to the insurance company

Don’t provide a recorded statement. Don’t discuss your feelings, your injuries, your outlook, or the baseball team you’re rooting for. You must alert your insurance company about the accident, providing necessary information, and not one word more.

Don’t fail to call the police

The police report nails down details. You can’t do everything. Let them do their job. Your attorney can then access the official report.

Don’t admit fault

Without a full investigation, fault is unclear. Don’t apologize. Be cooperative, but say as little as possible.