What Not to Say When Making an Auto Insurance Claim

What Not to Say When Making an Auto Insurance Claim

With millions of vehicles on the road, car accidents are more probable to happen than heart attacks or any other welfare concerns. Insurance companies make big profits while providing an assurance to the policyholder that if ever an accident happens, the car owner won’t be left unaided. As insurance companies tighten their grips on company funds, chances of insurance claims being denied are getting higher; thus insurance policy holders should know some tips and tricks on how to make an insurance claim that would definitely be granted. Most of the time, little statements about the accident can cost you more than you bargained for. This is why knowing what not to say when making an auto insurance claim is very helpful.

The initial step when making an insurance claim is, of course, documenting the actual event. With all the documents prepared, you then call up your insurance company and make a claim. Here are some tips on what not say when making an auto insurance claim:

1. NEVER admit that you’re at fault. If it is really obvious, try to make it seem like both of the parties concerned were at fault. Be wary of slip-ups or conflicts in how you narrate the event. Practice your statement beforehand.

2. Don’t mention anything alcohol or intoxication-related. If this is the case, remove all evidence or downplay your level of intoxication. During the actual accident, avoid undergoing the breathalyzer so as not to cause suspicion on your mental ability.

3. Any conflict that may cause cognitive and emotional disturbance, for example a fight with your special someone is not something that will increase your chances of getting a successful insurance claim.

4. Do not mention any insurance denials you may have encountered or experienced as these may cast blights into your credibility.

5. Never start the conversation with “I’d like to make a claim” because this will just put you on an offensive and get you into a long conversation about your policy.

In the light of denied insurance claims, policyholders should be careful on what they say when interacting with the insurance companies. You have to note that anything you say can be taken against you, thus remembering what not to say when making an auto insurance claim will be very helpful for your cause. Just remember, stay confident and stick to your story. As long as you’re telling the truth and you’re on the right side of things, you will be able to claim that insurance in no time.