If you have been involved in a car accident in Louisiana, you will more than likely have to talk to an insurance claims adjuster. If you decide to deal with the insurance companies on your own, there are a few important things you need to keep in mind. At Darryl Breaux & Associates, we communicate with insurance companies on behalf of our clients all the time and wanted to pass along some key points.
First, you must understand that the goal of the insurance companies is to make as much profit as possible. They are very motivated to pay you as little as possible. Their best tactic to achieve this – Get admissions from YOU that they can use against you.
So, things you should never say:
This sounds like an admission of fault and that is how the insurance company will interpret it.
This sounds like you are telling them “no injuries”. Insurance companies love hearing this. The problem is that injuries can sometimes take days or weeks to show.
I just want this over as quickly as possible. Interpretation: I will take whatever low amount you want to give me.
Do not “think”. Only say what you know. If you are not sure, just say “I don’t know”. Never speculate or offer your own opinions. Only give the facts you know.
LASTLY (and most importantly), do not let the insurance company convince you that you do not need a lawyer in Louisiana.
In reality, insurance companies would prefer that you do not get a lawyer involved. The insurance company would rather deal with you directly because 1) they know that most people don’t know the do’s and don’ts and 2) they will pay you less money than you will get being represented by an experienced New Orleans personal injury lawyer.
Having some knowledge regarding the things you should never say will help you in your personal injury case. If you would like any other advice on what to do after a car accident in New Orleans, contact Darryl Breaux & Associates. We are more than happy to offer you a FREE consultation that will steer you in the right direction so that you can get the compensation YOU deserve.