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Don't say this to your car insurance company following a crash

No matter how your car accident happened, if you suffered injuries or property damages, you may have the ability to get compensation - either from your car insurance company or from the party at fault for the collision.

However, it's important to keep in mind that what you say to your car insurance company - or the insurance company of the at-fault party - could affect your ability to receive compensation for damages.

Keep this in mind when talking to insurance companies

First and foremost, when communicating with insurance companies after a car accident, you should remember that it's the insurance company's modus operandi to pay you as little as possible for your injuries and damages. The insurance company may try to use some of the things you say against you in its efforts to pay you less, so be very careful about what you choose to say.

When talking to your insurance company don't say:

Anything at all immediately following your crash: Right after your car accident, you won't be thinking clearly, you'll be confused, and you might be in shock and under a lot of stress. This is not a good time to attempt a professional, clear conversation with your insurance provider. It's best to focus on getting medical attention, dealing with police and helping other car crash victims immediately following the incident. After you've settled down, then you can call your insurance provider with a clear head.

It was your fault: Just relay the facts of the car accident, but don't add any personal opinions about what may have occurred. Don't blame yourself and don't blame any other parties. Just because you were involved in the crash does not mean that you have the clearest idea of how it happened. You might think it was your fault when, in fact, your personal injury lawyer reveals that another party was to blame, or that you and another party were both partially to blame. Do not admit fault to anyone following the crash - including police, insurance companies or other drivers.

You're not injured: Don't make a declaration that you suffered zero injuries. It can take time, even weeks, for an injury to reveal itself. You could have a difficult-to-detect brain injury, internal bleeding or a back problem that develops and reveals itself in the days following your accident. On this note, do not sign medical releases or any kind of releases from insurance companies until you've consulted with your lawyer.

Tread carefully when dealing with insurance companies

As long as you understand that your insurance company - and that of the other party - may not be your friend, you can evaluate what you choose to say and don't say following your accident. Be smart, don't sign anything until you review it with your lawyer, and you will be well on your way to communicating with insurance companies successfully.

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