For Texas drivers, few things are quite as frustrating as getting into a car accident. While you may not always be able to avoid a wreck, understanding what happens afterward can be helpful.
After you’ve made sure that everyone is safe and you’ve exchanged information with the other driver, you’ll have to speak with your insurance company to file an accident claim. To settle the claim, there is quite a bit of information an insurance adjuster will want to gather, and you should be ready to supply it.
Questions an insurance adjuster might ask
The insurance carrier usually scripts most of the questions one of their adjusters will pose. When providing a statement about the details of your wreck, prepare yourself to answer basic inquiries like:
- Where did the accident happen?
- On what day and at what time did the wreck occur?
- What were the road conditions at the time?
- What caused the accident?
- How much damage did your car sustain?
- How much damage did the other car sustain?
- Were you wearing your seat belt?
- Were you speeding?
- Did any witnesses see the accident happen?
- Did you seek medical care afterwards?
Could your answers influence your insurance claim?
You might think that insurance adjusters ask questions to gather basic information about the circumstances. However, how you answer those questions may influence your insurance claim. Keep in mind that hundreds of car accidents happen every day. Even if the victim deserves compensation for damages, medical expenses and more, insurance companies often look for ways to avoid paying expensive claims.
How can you protect yourself?
Try to avoid making recorded statements that an insurer could use against you to deny your claim. In general, the easiest way to avoid problems with your claim is to speak with an experienced lawyer prior to talking to an insurance adjuster.