Several Extremely Important Queries Regarding Your Car Accident Settlement

You're in an accident and there should be a car accident settlement. You're dazed and perhaps injured. Your car is a pile of junk. Stress as well as bills are mounting. Then your insurance adjuster shows up, to ask several relevant questions for the settlement amount. That seems sensible, right? After all, asking questions is part of what they do.

Beware. Here are three questions that in case you answer right after the accident, you might decrease your settlement amount.

Question 1: Could you have avoided the automobile accident? How?

This is a complex one. Perhaps you weren't paying attention as much as you should have (darn that cell phone ringing). Maybe you did every-thing right but circumstances were beyond your control (a tire blow-out is one case in point).

In any event, it's best to not respond to this question right away. What should your answer be? Something like, "No, I couldn't have avoided the accident." Despite the fact that it was probably your fault, you need time to think it all through, rather than blurting it out instantly.

Question 2: Do you have the names as well as phone numbers of the witnesses?

Yes, you should have gotten this information at the time of the accident. No, you shouldn't provide this information to anyone but the police or even your attorney, at least not immediately. The witnesses should have given a statement to your attorney or the police before you give the names as well as phone numbers out. Why?

Some-times adjusters will call the witnesses and attempt to cast doubt on what they saw, or what they think they saw. Thus witness statements need to be taken before the adjuster gets the info. Remember, the adjuster works for the insurance company, not for you.

Your answer must be, "There might have been, nevertheless I will need to check and see, and then give you a call back."

Question 3: Did you have injuries before your accident?

The reply to this one needs to be a quick but firm, "That information must come from my medical records, so I should consult with my doctor and get back with you." Medical records can't be released to just anyone, unless you've already waived that right beforehand. The adjuster cannot get that info unless you actually authorize it.

You have to protect your rights, and get the amount you are due for your car accident settlement. Just remember these three relevant questions, however I hope you never need to use them!

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