What should I say to the insurance company?

The most important thing to remember when you speak with an insurance company representative is that their employer is a for-profit business that makes money by collecting premiums and loses money by paying claims. The claims adjuster is looking for anything they can use to minimize or deny your claim, including your own statements.

Do not apologize for the accident, provide your opinion about what happened, or guess at answers you do not know. If you happen to misspeak or relay information that turns out to be inaccurate, it could damage your case. Never indicate that you are uninjured. This could make it difficult to claim compensation if you have crash-related injuries that worsen over time. It’s best to speak with a car accident attorney before giving a recorded statement to another driver’s insurance carrier.