Key Takeaways
- Never apologize, admit fault, or say “I’m fine” to the insurance company after a car accident — these statements can reduce your settlement.
- You are not legally obligated to give a recorded statement to the other driver’s insurer right away.
- Speculation or guessing about accident details can be used against you to undermine your claim.
- Always consult a St. Louis car accident lawyer before speaking with the other party’s insurance company.
What You Should Never Say to Insurance After a Car Accident
After you are involved in a car accident in Missouri, you should never apologize, admit fault, or tell the insurance company that you’re okay. These seemingly simple statements can be used against you to limit your car accident settlement. Do not give a recorded statement or speculate about details or injuries, and always consult a St. Louis car wreck lawyer.
For help evaluating insurance coverage and next steps after a crash, talk with a St. Louis auto accident lawyer before resolving the claim.
Understanding how insurance statements affect your settlement value is crucial, and unfortunately, many drivers find that fact out far too late. People have a habit of saying, “I’m sorry” out of politeness, though Missouri’s fault laws can turn that into an admission of blame, which reduces your compensation.
Telling insurers that you’re fine is another thing to avoid. After a car accident, adrenaline kicks in and can mask pain or other symptoms of serious injuries. When you state that you’re fine on the record and then claim an injury once you realize you’re hurt, the insurer can use that to invalidate your claim.
Speculation or guessing about the details can also come back to haunt you. Always stick to the facts, and remember that you’re not legally obligated to provide a recorded statement to the other driver’s insurer right away. You can politely decline until you speak with an attorney.
It is okay to tell them you don’t know, especially if you haven’t had a full medical evaluation yet. However, it is better to talk to an attorney before you talk to the other party’s insurer to protect your rights. Whether a lawyer helps even in a minor accident can be instrumental in ensuring you get the full and fair compensation you deserve.
What Should I Do Immediately After a Car Accident in Missouri?
Always stop, check for any injuries, call 911, and remain on the scene. If you can, take photos and videos that comprehensively capture the entire scene and any visible injuries. You should also exchange insurance information with the other driver and get any contact information from witnesses. Once you seek medical treatment, contact a St. Louis car accident attorney and you’ll see why having a lawyer handle insurance calls protects your claim while you focus on healing. Learn more about what to do after a car accident.
Do I Have to File a Police Report in Missouri?
Yes, Missouri drivers are required to report car accidents to the police when the property damage exceeds $500, when someone is injured, or when someone is killed. It is always best to call the police to the scene of the accident where they can issue a police report and help you understand any other steps to take. Read more about should i contact authorities after a car accident.
How Long Do I Have to File a Lawsuit for a Car Accident?
St. Louis drivers have 5 years under Missouri’s personal injury statute of limitations to file a lawsuit. This is a different time limit for reporting to insurers, and although you may think 5 years is a long time, waiting could mean that crucial evidence is lost. It is always better to move quickly to recover your damages.
Frequently Asked Questions
Can the insurance company use my statement against me?
Yes. Anything you say to the insurance adjuster can be used to reduce or deny your claim. Admissions of fault, downplaying injuries, or providing inconsistent details can all hurt your case significantly.
Do I have to give a recorded statement to the other driver’s insurance?
No. You are not legally required to provide a recorded statement to the other driver’s insurance company. It is best to consult with an attorney first. Learn about do i call my insurance if it’s not my fault for guidance on handling insurance communications.
What should I say when the insurance company calls after my accident?
Stick to the basic facts: your name, the date of the accident, and that you are represented by an attorney. Do not discuss injuries, fault, or provide detailed accounts of what happened until you have legal counsel.
Contact The Bruning Law Firm
The Bruning Law Firm helps St. Louis car accident victims understand their rights and legal options under Missouri personal injury law. Get the help you need with no fee unless we win by scheduling a free consultation with our St. Louis car accident insurance negotiation lawyers. Call (314) 735-8100 today to get the help you need for your car accident case.