Be Careful Who You Speak With After a Car Accident

What Not Say at the Scene of the Accident 

After an accident, emotions are often heightened. However, it is important that you remain calm and avoid saying anything that may likely be used against you later. Here are some things not to say after an auto accident: 

Don't say, "I'm sorry." This may show that you're admitting guilt or that you’re responsible for the crash. 

Don't say, "It was my fault." Admitting fault can affect your potential claims. 

Don't say, "Let's handle the situation on our own." You should file a police report and notify your insurance company about the accident. 

Don't say, "I'm fine. I don't need to get medical help." Regardless of the magnitude of your injuries, you must get immediate medical treatment for both personal and legal reasons. 

Don't post or say anything on social media. 

Don't say "Yes" when the insurance adjuster calls and requests a recorded statement. 

Most importantly, never give an official or recorded statement to the claims adjuster of the insurance company when they reach out to you. They’re not on your side!

The Role of the Insurance Adjuster 

During an investigation, the insurance adjuster may request an official statement from you. They can ask about the events leading to the traffic crash, who was responsible, or how the incident occurred. Unknown to you, the claims specialist may: 

Generally, speaking with the claims adjuster without your attorney's consent is never a good idea. Rather, ensure that you speak with an experienced lawyer first. 

Reasons to Speak With a Car Accident Attorney Instead 

If you're involved in an auto accident, here are some reasons to speak with your lawyer first: 

Determining Fault and Liability 

New Jersey is a "no-fault" state. This means that your own auto insurance policy – Personal Injury Protection (PIP) coverage – will pay for medical costs and other accident-related losses, regardless of the at-fault party. However, you have a "limited right to sue" the at-fault driver and recover damages if you have suffered a serious bodily injury, such as significant scarring, permanent injury, or death. 

An experienced attorney will be in the best position to investigate the facts of your case, evaluate the extent of your injuries, help file your claims, or determine whether you're eligible to sue the responsible party. 

Seeking Damages for Serious Injuries 

If you sustain a serious injury, you may still need ongoing or future medical treatments. While you continue to recuperate, any settlement amount offered by the insurer may not cover your injuries and damages. Once you attain maximum medical improvement (MMI) or full recovery, your attorney will determine the total cost of damages and help pursue your rightful financial compensation. 

Negotiating With the Insurance Company 

It is never easy or straightforward to negotiate a settlement with the insurer. They will keep playing hardball or negotiating using bad-faith tactics. Conversely, an experienced attorney can carefully evaluate the insurance provider's offer and help negotiate an improved settlement that will cover your medical expenses, accumulated losses, pain and suffering, and other possible damages. 

Let Maran & Maran PC Help

Contact Maran & Maran PC today to schedule a simple case assessment with an experienced car accident attorney. I can guide you through the personal injury claims process and help you seek the maximum possible compensation for your injuries and damages. My firm proudly serves clients in Newark and the surrounding areas throughout Northern New Jersey, including Essex County, Sussex County, Passaic County, and Warren County.