5 Things Accident Victims Should Never Say to an Insurance Adjuster (2024)

FAQs

5 Things Accident Victims Should Never Say to an Insurance Adjuster? ›

Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”

The symptoms can last for many months or up to a year or more after the accident. Make sure that you give yourself time to heal from your physical and emotional injuries after a car accident. Do not rush your recovery. If you are concerned about symptoms of emotional distress, talk with your doctor immediately.

Immediately after a car accident, and for several days afterwards, people usually experience being in shock. Shock can feel different for everyone, but common symptoms include feeling numb, being in emotional distress, continuing to feel afraid even though the event is over, or having unpredictable mood swings.

Keep yourself and others safe.

If you can't get out of your car — or it's not safe to try — keep your seatbelt fastened, turn on your hazard lights, then call 911 if possible and wait for help to arrive. If the collision seems to be minor, turn off your car and grab your emergency kit.

Don't give more details than the basics. Avoid giving a narrative of the car accident. You may even decline a yes-or-no question if it pertains to how the collision occurred. Also, avoid telling the adjuster about your injuries.

If you suffer from anxiety following a car accident, you may be able to pursue compensation. Like with any other car accident claim, your solicitor must be able to prove the following to have a valid case: Another party owed you a duty of care. They breached this duty by acting negligently or recklessly.

Emotional or psychological shock can last for days, weeks, or even months after an accident. The symptoms will vary from person to person. Some people may experience post-traumatic stress disorder after a car accident. Others may find it difficult to concentrate or remember things.

Travel anxiety can make it difficult for victims to move past the car accident and continue traveling as before. These problems may last for only a few weeks or they could continue to haunt the victim for months or even years after the accident.

Items meeting the diagnostic criteria for symptoms of PTSD were comprised of the following seven symptom clusters: (1) frequent, recurrent, re-experiencing of the event by intrusive, intense thoughts, flashbacks; physical reactions when thinking or reminded of the crash, (2) persistent avoidance and fear of stimuli ...

What is vehophobia? ›

Vehophobia is the fear of vehicles. This can include cars, trucks, buses, trains, and more. People with this phobia may feel anxious when they are around vehicles or when they think about them. They may also avoid driving or using public transportation.

Motor vehicle accidents are the leading cause of civilian cases of post-traumatic stress disorder (PTSD) in the United States. Car collisions can be extremely traumatic and mentally damaging, leading to feelings of panic, anxiety, and stress that cause the victim to suffer long after the collision is over.

It is normal to feel anger after an accident. It's normal to be angry that someone else's carelessness hurt you. Serious injuries can completely change your life! It is natural to be angry for the life changes that were not your fault.

When describing an accident to an insurance adjuster, do not say anything beyond what you experienced directly. You do not want to speculate about what happened because you could accidentally blame yourself. The insurance company could then have a good excuse to reduce your compensation.

Give your name, address, policy number, and the date and time of your loss. Make sure to tell your insurance agent where you can be reached, especially if you are unable to stay in your home. Follow up the call with a letter detailing the problem. Keep a copy of the letter.

Claims adjusters inspect property damage to determine how much the company should pay for the loss. Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim and if so, how much.