16: What Should I Say (or Not Say) to the Insurance Company After a Car Crash?
- SKWalkerLaw
- Sep 3
- 2 min read
After a car crash, you’ll likely get a call from an insurance adjuster—sometimes within hours.
And while they may sound friendly, it’s important to remember: They’re not on your side.
That’s why knowing what to say (and what not to say) to the insurance company is critical after a car crash
📞 Should I Talk to the Insurance Company at All After a Car Crash?
If you’ve hired a lawyer, the answer is simple: Let your attorney handle all communication.
If you haven’t hired a lawyer yet, you may need to speak with them briefly—but proceed with caution. Here’s how to protect yourself.
✅ What You Can Say After a Car Crash
If you must speak with an adjuster, keep it brief and factual:
Your name and contact information
The date, time, and location of the crash
The vehicles involved
Whether you’ve sought medical treatment (but not details)
That’s it. You are not required to give a recorded statement or discuss fault.
❌ What You Shouldn’t Say After a Car Crash
Avoid these common mistakes:
1. “I’m fine” or “I’m not hurt.”
Injuries often take hours or days to appear. Saying you’re fine can hurt your claim later.
2. Speculating about the crash.
Stick to facts. Don’t guess or assume what happened.
3. Admitting fault—even partially.
Even saying “I didn’t see them” or “I was going a little fast” can be used against you.
4. Discussing your medical condition in detail.
Let your medical records speak for themselves. Don’t downplay or exaggerate.
5. Agreeing to a recorded statement.
You are not legally required to give one—and it can be used to twist your words.
🧠 Why Insurance Companies Want You to Talk After a Car Crash
Their goal is to:
Get you to say something that limits their liability
Push for a quick, low settlement
Avoid paying full compensation
That’s why it’s best to have a lawyer speak for you.
⚖️ How We Protect You After a Car Crash
At SK Walker Law, we:
Handle all insurance communications
Prepare you for any necessary statements
Ensure your words can’t be used against you
Push back against unfair tactics
You focus on healing—we’ll handle the rest.
✅ Bottom Line
What you say to the insurance company can make or break your case. When in doubt, say less—and call a lawyer.
📞 Let Us Do the Talking
If you’ve been contacted by an insurance company after a crash, don’t go it alone. Schedule a free consultation with SK Walker Law, LLC today. We’ll protect your rights and make sure your voice is heard—the right way.
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