Dealing with injuries resulting from a slip and fall is challenging. If you slipped and fell at commercial or residential premises, an insurance agent will likely contact you soon afterward. When talking to the insurance agent, you have to choose your words carefully. Anything you say in that conversation could hurt your compensation claim.
Even if the insurance agent seems caring and friendly, don’t forget that they are not on your side. An insurance agent’s primary objective is to solve the claim and ensure that the insurance company pays as little settlement as possible. Below are things you should never say to an insurance agent after a slip and fall accident.
1. It was my fault
During a conversation with an insurance adjuster, do not apologize or admit to fault. The agent will be investigating the fall and trying to clear the company of any liability. Saying that the slip and fall happened due to your own carelessness could hurt your compensation claim. Let experts do an investigation to prove what happened, even when you think you are to blame.
2. Don’t give details of how the accident happened
The insurance agent may ask you for a statement about how the fall happened. They can also befriend you, trying to fish for details of the accident. Do not go into details. Stick to the basics like when and where the fall occurred, and name any witnesses who were there. Tell the insurance representative that an investigation is underway, and you will share all the details later.
3. Don’t give details of the injuries
It is natural for the insurance adjuster to ask you about the nature and severity of your injuries. Unfortunately, most victims of slip and fall accidents often downplay their injuries and fail to claim compensation. Don’t volunteer details of your injuries until you seek medical care.
Your injuries could become worse than you thought, requiring more medical attention. If they ask you about your injuries, tell them that you are still seeking treatment, and you will share the details later.
4. Don’t accept to settle immediately
Most insurance representatives will try to get you to sign a settlement after two conversations. Don’t accept a quick payment. This settlement is often lower than the amount your personal injury claim is worth. While taking the settlement might seem tempting, it’s essential to wait until you know the full extent of your injuries before accepting a settlement.
What to Do After a Slip and Fall Accident
Immediately after the fall, seek medical attention for an evaluation. The doctor will determine the extent of your injuries. Sometimes injuries resulting from a slip and fall accident may take some days to show symptoms. These injuries include traumatic brain injuries, internal bleeding, and back injuries.
Don’t report your injuries to an insurance adjuster until you are sure of their severity. You should also contact an experienced personal injury attorney as soon as possible to help you with the compensation claim.
After a slip and fall accident, the insurance adjuster will keep contacting you. It’s essential to set limits to your conversations with them. Clearly and politely explain that you won’t be discussing many details about the accident on the phone. Set clear boundaries and limits on any future calls.
Some adjusters can be very irritating, frequently calling to get you to settle quickly. Explain to them that you don’t have the full information and that you will share all the accident details after the investigation is done. If you give an insurance adjuster incorrect information about your accident or the injuries you suffered in a call, they may later force you to stick to that incorrect information.