"I'm fine" or "I'm not hurt"
Many injuries take days to show up. Saying you're fine early on can be used later to argue you weren't really hurt. Say "I'm getting checked out" instead.
"I'm sorry"
Apologizing is a normal, polite reflex, but it can be read as admitting fault. You can be polite without apologizing.
The 3-Point Claim Check
- 1
An injury
You were hurt, even if it didn't seem serious at first.
- 2
Someone else at fault
Another driver or company caused the crash.
- 3
Insurance coverage
There's a policy that may cover what happened.
Guesses about what happened
Don't estimate speed, distance or timing if you're not sure. Saying "I don't know" or "I'd have to check" is fine. Stick to what you know.
Details about injuries you don't know yet
Don't describe your injuries as minor or say how long recovery will take. Your doctor will know more over the coming days and weeks.
Saying yes too quickly
- Agreeing to a recorded statement right away.
- Signing a medical records authorization that gives them your full history.
- Accepting an offer on the call.
- Signing a release or settlement paperwork before you understand it.
What you can say
Your name, contact details and insurance company. The date and place of the accident. That you're getting medical care. That you'll answer other questions in writing.
Be careful online too
Insurers can look at public social media. Photos and posts after a crash can be taken out of context, so it's best not to post about the accident or your recovery.