When you are filing car accident claims New Orleans LA, it is important to avoid certain questions. Simply put, watch your utterances when in talks with the adjuster. Many people divulge way too much information at the start of the claims process. These drivers think that by divulging all information to the insurance company they will get more than they bargained for during the car accident claim. This is not the case!
In the course of filing car accident claims New Orleans LA, your insurer will ask a couple of question which will further reduce your compensation. Questions to watch out for include:
- How Could You Have Avoided this Car Accident?
A closer look at the question and you’ll see that the insurance company is trying to apportion the blame on you. They want to make you look like the at-fault party. Your insurance company will compensate you based on how much fault you get for the accident. If you are responsible to a greater extent, then your claims will be reviewed downwards.
If you are unlucky to indict yourself by admitting to being responsible for the car crash by at least 20%, then you have automatically reduced your compensation by the percentage.
The best response to this question could have been:
The car accident can be avoided if the other driver hadn’t crashed into me”
- Did you sustain any injury prior to the car crash?
The reason why your insurance companies ask you this question is to attribute your current injuries to past incidents. In other words, they do not want to be liable you’re your medical expenses. They will make it look like your personal injuries were a result of the previous injuries.
Do not mention any previous injuries with your insurance company, even if you had one. Whether your current injuries are a result of the previous one should be a discussion for later. If they keep pressuring you for answers, insist on consulting with your medical doctor before giving a response.
- Provide detailed information about any witnesses at the accident scene?
The majority of car insurance companies perform a thorough investigation during the claim process. This happens if the compensation is huge. They have been known to reach out to witnesses at the scene of the event to confirm the incidents. Once the adjuster meets up with your witness, they have a way of putting doubts in the mind of witnesses. As a result, your witness might say things that may affect your accident claims. This will greatly affect your chances of getting your rightful compensation.
The best response to this question would otherwise be
There might be witnesses. However, I need more time to collect all the evidence and information about the crash.
Keep in mind that an insurance company is in the business to make a profit and would go the extra mile to take advantage of people by asking deceitful questions. Do not make these mistakes mentioned above.